Likely sold or withdrawnWe last saw this listing 25 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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LANDListed 89d ago
Lot investor view
988 Dover Road, Epsom, NH 03234
$1,600,000
No rent data for this listing — run your own numbers in the calculator below.
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
−$11K/mo
You top up $11K/mo
Price
$1.60M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$522K
Deposit + fees + refurb
5-yr return on cash -125%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $400,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,690–$80,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,200,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$10,707
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$7,984Mortgage$2,723Costs
Outgoings exceed rent — you top up $10,707/mo
Mortgage$7,984
Costs$2,723
Maintenance$67
Insurance$40
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$10,707
Returns
Return before costson price0.00%
Cash returnon cash-24.64%
Gross margin-$2,723
Cash needed$521,535
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$32,680
$95,804
$0
$0
-$128,484
-$128,484
Year 2
$0
$33,660
$95,804
$0
$0
-$129,464
-$257,947
Year 3
$0
$34,670
$95,804
$0
$0
-$130,474
-$388,421
Year 4
$0
$35,710
$95,804
$0
$0
-$131,514
-$519,935
Year 5
$0
$36,782
$95,804
$0
$0
-$132,585
-$652,520
Year 5 disposal
Disposal gain (gross)$25,131
CGT$4,775
Net Disposal proceeds$1,717,591
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4829.5 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 25 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit −$10,707/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$11K/mo
You top up $11K/mo
Price
$1.60M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$522K
Deposit + fees + refurb
5-yr return on cash -125%
Bedrooms
—
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $400,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,690–$80,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,200,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$10,707
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$7,984Mortgage$2,723Costs
Outgoings exceed rent — you top up $10,707/mo
Mortgage$7,984
Costs$2,723
Maintenance$67
Insurance$40
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$10,707
Returns
Return before costson price0.00%
Cash returnon cash-24.64%
Gross margin-$2,723
Cash needed$521,535
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$32,680
$95,804
$0
$0
-$128,484
-$128,484
Year 2
$0
$33,660
$95,804
$0
$0
-$129,464
-$257,947
Year 3
$0
$34,670
$95,804
$0
$0
-$130,474
-$388,421
Year 4
$0
$35,710
$95,804
$0
$0
-$131,514
-$519,935
Year 5
$0
$36,782
$95,804
$0
$0
-$132,585
-$652,520
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing