Likely sold or withdrawnWe last saw this listing 62 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit +$292/mo from completion — the no.1 reason to invest
9.58% return before costs — above-market
Why to be cautious
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
+$292/mo
Pays you every month, net of costs
Price
$899K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$380K
Deposit + fees + refurb
Return before costson price9.58%5-yr return on cash 8%Rent est. $7,180 ($5,347–$9,641)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,347–$9,641/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $224,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $91,335–$170,585 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $674,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$292
after mortgage, operating costs & tax
Rent in$7,180/mo
$6,904Collected
$6,904/mo actually reaches you — the other $276 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,486Mortgage$2,402Costs
$292/mo left as profit · 4% of rent kept
Mortgage$4,486
Costs$2,402
Management$718
Maintenance$67
Insurance$40
CapEx reserve$359
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$292
Returns
Return before costson price9.58%
Cash returnon cash0.92%
Gross margin$4,502
Cash needed$380,037
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.91
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
$86,160
$28,826
$53,830
$0
$666
$2,838
$2,838
Year 2
$88,745
$29,691
$53,830
$0
$993
$4,232
$7,070
Year 3
$91,407
$30,581
$53,830
$0
$1,329
$5,667
$12,737
Year 4
$94,149
$31,499
$53,830
$0
$1,676
$7,145
$19,882
Year 5
$96,974
$32,444
$53,830
$0
$2,033
$8,667
$28,549
Year 5 disposal
Disposal gain (gross)-$83,086
CGT$0
Net Disposal proceeds$967,754
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4865.3 km
Reason
5-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 62 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 9.58% — fundamentals work.
Monthly profit+$292/mo at 25% deposit @ 5.5%
9.58% Return before costs — above-market
Monthly cashflow
+$292/mo
Pays you every month, net of costs
Price
$899K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$380K
Deposit + fees + refurb
Return before costson price9.58%5-yr return on cash 8%Rent est. $7,180 ($5,347–$9,641)
Bedrooms
5
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,347–$9,641/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $224,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $91,335–$170,585 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $674,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$292
after mortgage, operating costs & tax
Rent in$7,180/mo
$6,904Collected
$6,904/mo actually reaches you — the other $276 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,486Mortgage$2,402Costs
$292/mo left as profit · 4% of rent kept
Mortgage$4,486
Costs$2,402
Management$718
Maintenance$67
Insurance$40
CapEx reserve$359
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$292
Returns
Return before costson price9.58%
Cash returnon cash0.92%
Gross margin$4,502
Cash needed$380,037
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.91
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
$86,160
$28,826
$53,830
$0
$666
$2,838
$2,838
Year 2
$88,745
$29,691
$53,830
$0
$993
$4,232
$7,070
Year 3
$91,407
$30,581
$53,830
$0
$1,329
$5,667
$12,737
Year 4
$94,149
$31,499
$53,830
$0
$1,676
$7,145
$19,882
Year 5
$96,974
$32,444
$53,830
$0
$2,033
$8,667
$28,549
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$380K
25% deposit$224,750
Refurb$130,960
Legal + survey$2,900
Mortgage + broker$14,485
Cash needed$380,037
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