Likely sold or withdrawnWe last saw this listing 57 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
$2.00M
Return before costson price
1.63%
est rent $2,711not enough comparablesRange $1,792–$4,101/mo (Q1–Q3)
Cash needed
$928K
deposit + costs
Monthly profit
−$10K
net of mgmt + voids
5y Return on your cash
-67.5%
after tax
IRR
—
cash + capital
Rent Range
$1,792–$4,101
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,792–$4,101/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $499,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $253,690–$471,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,499,925 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
-$10,412
after mortgage, operating costs & tax
Rent in$2,607/mo
Where it goes
$9,979$3,144
Outgoings exceed rent — you top up $10,412/mo
Mortgage$9,979
Costs$3,144
Management$271
Maintenance$67
Insurance$40
CapEx reserve$136
Voids + council tax$15
Tax—
Shortfall−$10,412
Income
Monthly rent+$2,711
After 2wk voids: $2,607/mo
Outgoings
Mortgage-$9,979
Operating costs-$3,144
show breakdown ▾
Management (10% of rent)-$271
CapEx reserve (5% of rent)-$136
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.63%
Cash returnon cash-13.47%
Gross margin-$537
Cash needed$927,732
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.15
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
$32,532
$37,730
$119,748
$0
$0
-$124,946
-$124,946
Year 2
$33,508
$38,861
$119,748
$0
$0
-$125,102
-$250,048
Year 3
$34,513
$40,027
$119,748
$0
$0
-$125,263
-$375,311
Year 4
$35,549
$41,228
$119,748
$0
$0
-$125,428
-$500,739
Year 5
$36,615
$42,465
$119,748
$0
$0
-$125,598
-$626,337
Year 5 disposal
Disposal gain (gross)-$253,508
CGT$0
Net Disposal proceeds$2,152,850
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 · 5377 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 57 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
1.63% — verify the rent + comps locally.
1.63% Return before costs — around the area average for this property type.
Monthly profit −$10,412/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$2.0M
Return before costs
1.63%
est rent $2,711/monot enough comparablesRange $1,792–$4,101/mo (Q1–Q3)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,792–$4,101/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $499,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $253,690–$471,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,499,925 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
-$10,412
after mortgage, operating costs & tax
Rent in$2,607/mo
Where it goes
$9,979$3,144
Outgoings exceed rent — you top up $10,412/mo
Mortgage$9,979
Costs$3,144
Management$271
Maintenance$67
Insurance$40
CapEx reserve$136
Voids + council tax$15
Tax—
Shortfall−$10,412
Income
Monthly rent+$2,711
After 2wk voids: $2,607/mo
Outgoings
Mortgage-$9,979
Operating costs-$3,144
show breakdown ▾
Management (10% of rent)-$271
CapEx reserve (5% of rent)-$136
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.63%
Cash returnon cash-13.47%
Gross margin-$537
Cash needed$927,732
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.15
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
$32,532
$37,730
$119,748
$0
$0
-$124,946
-$124,946
Year 2
$33,508
$38,861
$119,748
$0
$0
-$125,102
-$250,048
Year 3
$34,513
$40,027
$119,748
$0
$0
-$125,263
-$375,311
Year 4
$35,549
$41,228
$119,748
$0
$0
-$125,428
-$500,739
Year 5
$36,615
$42,465
$119,748
$0
$0
-$125,598
-$626,337
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$928K
25% deposit$499,975
Refurb$362,760
Legal + survey$3,700
Mortgage + broker$30,999
Cash needed$927,732
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