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.
Real 8.64% return before costs with manageable risks.
Why it works
8.64% return before costs — above-market
Why to be cautious
Monthly profit −$209/mo — significantly negative — real recurring drain
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
−$209/mo
You top up $209/mo
Price
$409K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$201K
Deposit + fees + refurb
Return before costson price8.64%5-yr return on cash -3%Rent est. $2,946 ($2,449–$3,544)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,449–$3,544/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $102,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $61,165–$114,555 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $306,750 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
-$209
after mortgage, operating costs & tax
Rent in$2,946/mo
$2,833Collected
$2,833/mo actually reaches you — the other $113 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,041Mortgage$1,114Costs
Outgoings exceed rent — you top up $209/mo
Mortgage$2,041
Costs$1,114
Management$295
Maintenance$67
Insurance$40
CapEx reserve$147
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$209
Returns
Return before costson price8.64%
Cash returnon cash-1.25%
Gross margin$1,718
Cash needed$201,178
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.79
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
$35,352
$13,370
$24,490
$0
$0
-$2,508
-$2,508
Year 2
$36,413
$13,772
$24,490
$0
$0
-$1,849
-$4,357
Year 3
$37,505
$14,185
$24,490
$0
$0
-$1,170
-$5,527
Year 4
$38,630
$14,610
$24,490
$0
$0
-$470
-$5,997
Year 5
$39,789
$15,049
$24,490
$0
$48
$203
-$5,794
Year 5 disposal
Disposal gain (gross)-$66,910
CGT$0
Net Disposal proceeds$440,280
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4869.5 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.
65/100
Solid
Real 8.64% — fundamentals work.
8.64% Return before costs — above-market
Monthly cashflow
−$209/mo
You top up $209/mo
Price
$409K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$201K
Deposit + fees + refurb
Return before costson price8.64%5-yr return on cash -3%Rent est. $2,946 ($2,449–$3,544)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,449–$3,544/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $102,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $61,165–$114,555 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $306,750 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
-$209
after mortgage, operating costs & tax
Rent in$2,946/mo
$2,833Collected
$2,833/mo actually reaches you — the other $113 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,041Mortgage$1,114Costs
Outgoings exceed rent — you top up $209/mo
Mortgage$2,041
Costs$1,114
Management$295
Maintenance$67
Insurance$40
CapEx reserve$147
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$209
Returns
Return before costson price8.64%
Cash returnon cash-1.25%
Gross margin$1,718
Cash needed$201,178
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.79
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
$35,352
$13,370
$24,490
$0
$0
-$2,508
-$2,508
Year 2
$36,413
$13,772
$24,490
$0
$0
-$1,849
-$4,357
Year 3
$37,505
$14,185
$24,490
$0
$0
-$1,170
-$5,527
Year 4
$38,630
$14,610
$24,490
$0
$0
-$470
-$5,997
Year 5
$39,789
$15,049
$24,490
$0
$48
$203
-$5,794
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$201K
25% deposit$102,250
Refurb$87,860
Legal + survey$2,150
Mortgage + broker$7,135
Cash needed$201,178
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