Likely sold or withdrawnWe last saw this listing 60 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 →
Price
$449K
Return before costson price
5.18%
est rent $1,938not enough comparablesRange $1,600–$2,347/mo (Q1–Q3)
Cash needed
$239K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-24.0%
after tax
IRR
—
cash + capital
Rent Range
$1,600–$2,347
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,347/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $112,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $80,345–$150,175 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $336,750 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
-$1,031
after mortgage, operating costs & tax
Rent in$1,863/mo
Where it goes
$2,240$729
Outgoings exceed rent — you top up $1,031/mo
Mortgage$2,240
Costs$729
Management$194
Maintenance$67
Insurance$40
CapEx reserve$97
Voids + council tax$9
Tax—
Shortfall−$1,031
Income
Monthly rent+$1,938
After 2wk voids: $1,863/mo
Outgoings
Mortgage-$2,240
Operating costs-$729
show breakdown ▾
Management (10% of rent)-$194
CapEx reserve (5% of rent)-$97
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.18%
Cash returnon cash-5.17%
Gross margin$1,135
Cash needed$239,274
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.52
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
$23,256
$8,742
$26,885
$0
$0
-$12,371
-$12,371
Year 2
$23,954
$9,004
$26,885
$0
$0
-$11,936
-$24,307
Year 3
$24,672
$9,275
$26,885
$0
$0
-$11,487
-$35,794
Year 4
$25,412
$9,553
$26,885
$0
$0
-$11,025
-$46,819
Year 5
$26,175
$9,839
$26,885
$0
$0
-$10,549
-$57,368
Year 5 disposal
Disposal gain (gross)-$92,051
CGT$0
Net Disposal proceeds$483,339
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 · 6063.8 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 60 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
22/100
Marginal
5.18% — verify the rent + comps locally.
5.18% Return before costs — around the area average for this property type.
Monthly profit −$1,031/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$449K
Return before costs
5.18%
est rent $1,938/monot enough comparablesRange $1,600–$2,347/mo (Q1–Q3)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,347/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $112,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $80,345–$150,175 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $336,750 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
-$1,031
after mortgage, operating costs & tax
Rent in$1,863/mo
Where it goes
$2,240$729
Outgoings exceed rent — you top up $1,031/mo
Mortgage$2,240
Costs$729
Management$194
Maintenance$67
Insurance$40
CapEx reserve$97
Voids + council tax$9
Tax—
Shortfall−$1,031
Income
Monthly rent+$1,938
After 2wk voids: $1,863/mo
Outgoings
Mortgage-$2,240
Operating costs-$729
show breakdown ▾
Management (10% of rent)-$194
CapEx reserve (5% of rent)-$97
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.18%
Cash returnon cash-5.17%
Gross margin$1,135
Cash needed$239,274
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.52
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
$23,256
$8,742
$26,885
$0
$0
-$12,371
-$12,371
Year 2
$23,954
$9,004
$26,885
$0
$0
-$11,936
-$24,307
Year 3
$24,672
$9,275
$26,885
$0
$0
-$11,487
-$35,794
Year 4
$25,412
$9,553
$26,885
$0
$0
-$11,025
-$46,819
Year 5
$26,175
$9,839
$26,885
$0
$0
-$10,549
-$57,368
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
Transport detail not loaded for this property.
Acquisition costs
$239K
25% deposit$112,250
Refurb$115,260
Legal + survey$2,150
Mortgage + broker$7,735
Cash needed$239,274
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