Likely sold or withdrawnWe last saw this listing 63 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
−$25K/mo
You top up $25K/mo
Price
$4.95M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.62M
Deposit + fees + refurb
Return before costson price89.00%5-yr return on cash -91%Rent est. $3,662 ($3,294–$4,071)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,294–$4,071/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $1,237,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $177,810–$330,910 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,712,500 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
-$24,641
after mortgage, operating costs & tax
Rent in$3,662/mo
$3,521Collected
$3,521/mo actually reaches you — the other $141 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$24,699Mortgage
Outgoings exceed rent — you top up $24,641/mo
Mortgage$24,699
Costs$3,604
Management$366
Maintenance$67
Insurance$40
CapEx reserve$183
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$24,641
Returns
Return before costson price0.89%
Cash returnon cash-18.24%
Gross margin-$83
Cash needed$1,621,550
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.09
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
$43,944
$43,247
$296,392
$0
$0
-$295,695
-$295,695
Year 2
$45,262
$44,544
$296,392
$0
$0
-$295,674
-$591,369
Year 3
$46,620
$45,880
$296,392
$0
$0
-$295,653
-$887,022
Year 4
$48,019
$47,257
$296,392
$0
$0
-$295,630
-$1,182,652
Year 5
$49,459
$48,675
$296,392
$0
$0
-$295,607
-$1,478,259
Year 5 disposal
Disposal gain (gross)$21,510
CGT$4,087
Net Disposal proceeds$5,324,483
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6322.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 63 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
65/100
Solid
Real 89.00% — fundamentals work.
89.00% Return before costs — above-market
Monthly cashflow
−$25K/mo
You top up $25K/mo
Price
$4.95M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.62M
Deposit + fees + refurb
Return before costson price89.00%5-yr return on cash -91%Rent est. $3,662 ($3,294–$4,071)
Bedrooms
3
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,294–$4,071/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $1,237,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $177,810–$330,910 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,712,500 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
-$24,641
after mortgage, operating costs & tax
Rent in$3,662/mo
$3,521Collected
$3,521/mo actually reaches you — the other $141 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$24,699Mortgage
Outgoings exceed rent — you top up $24,641/mo
Mortgage$24,699
Costs$3,604
Management$366
Maintenance$67
Insurance$40
CapEx reserve$183
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$24,641
Returns
Return before costson price0.89%
Cash returnon cash-18.24%
Gross margin-$83
Cash needed$1,621,550
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.09
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
$43,944
$43,247
$296,392
$0
$0
-$295,695
-$295,695
Year 2
$45,262
$44,544
$296,392
$0
$0
-$295,674
-$591,369
Year 3
$46,620
$45,880
$296,392
$0
$0
-$295,653
-$887,022
Year 4
$48,019
$47,257
$296,392
$0
$0
-$295,630
-$1,182,652
Year 5
$49,459
$48,675
$296,392
$0
$0
-$295,607
-$1,478,259
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
$1.6M
25% deposit$1,237,500
Refurb$254,360
Legal + survey$3,700
Mortgage + broker$75,250
Cash needed$1,621,550
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