Likely sold or withdrawnWe last saw this listing 24 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+$9/mo
Barely breaks even each month
Price
$219K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$192K
Deposit + fees + refurb
Return before costson price9.16%5-yr return on cash 2%Rent est. $1,671 ($1,382–$2,020)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,382–$2,020/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $219,000 asking ($131,400). Raw model: $91,440–$170,780. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$9
after mortgage, operating costs & tax
Rent in$1,671/mo
$1,607Collected
$1,607/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,093Mortgage$569Costs
$9/mo left as profit · 1% of rent kept
Mortgage$1,093
Costs$569
Management$167
Maintenance$67
Insurance$28
CapEx reserve$84
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$9
Returns
Return before costson price9.16%
Cash returnon cash0.06%
Gross margin$1,038
Cash needed$191,888
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$20,052
$6,827
$13,113
$0
$21
$91
$91
Year 2
$20,654
$7,032
$13,113
$0
$97
$411
$502
Year 3
$21,273
$7,243
$13,113
$0
$174
$743
$1,245
Year 4
$21,911
$7,460
$13,113
$0
$254
$1,084
$2,329
Year 5
$22,569
$7,684
$13,113
$0
$337
$1,434
$3,763
Year 5 disposal
Disposal gain (gross)-$120,731
CGT$0
Net Disposal proceeds$235,749
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6040.7 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Likely sold or withdrawnWe last saw this listing 24 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 9.16% — fundamentals work.
9.16% Return before costs — above-market
Monthly cashflow
+$9/mo
Barely breaks even each month
Price
$219K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$192K
Deposit + fees + refurb
Return before costson price9.16%5-yr return on cash 2%Rent est. $1,671 ($1,382–$2,020)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,382–$2,020/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $219,000 asking ($131,400). Raw model: $91,440–$170,780. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$9
after mortgage, operating costs & tax
Rent in$1,671/mo
$1,607Collected
$1,607/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,093Mortgage$569Costs
$9/mo left as profit · 1% of rent kept
Mortgage$1,093
Costs$569
Management$167
Maintenance$67
Insurance$28
CapEx reserve$84
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$9
Returns
Return before costson price9.16%
Cash returnon cash0.06%
Gross margin$1,038
Cash needed$191,888
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$20,052
$6,827
$13,113
$0
$21
$91
$91
Year 2
$20,654
$7,032
$13,113
$0
$97
$411
$502
Year 3
$21,273
$7,243
$13,113
$0
$174
$743
$1,245
Year 4
$21,911
$7,460
$13,113
$0
$254
$1,084
$2,329
Year 5
$22,569
$7,684
$13,113
$0
$337
$1,434
$3,763
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$192K
25% deposit$54,750
Refurb$131,400
Legal + survey$1,700
Mortgage + broker$4,285
Cash needed$191,888
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice