Likely sold or withdrawnWe last saw this listing 54 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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2 BED TOWNHOUSEListed 76d ago
2-bed townhouse investor view
178 Harvard St #178A, Cambridge, MA 02139 · 1,487 sqft · $797/sqft
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
−$4K/mo
You top up $4K/mo
Price
$1.19M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$432K
Deposit + fees + refurb
Return before costson price3.88%5-yr return on cash -56%Rent est. $3,832 ($3,292–$4,461)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,292–$4,461/mo · n=80
Financing
DepositYour cash in — the rest is the mortgage25% · $296,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,085–$134,835 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $888,750 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
-$4,138
after mortgage, operating costs & tax
Rent in$3,832/mo
$3,685Collected
$3,685/mo actually reaches you — the other $147 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,913Mortgage$2,057Costs
Outgoings exceed rent — you top up $4,138/mo
Mortgage$5,913
Costs$2,057
Management$383
Maintenance$67
Insurance$40
CapEx reserve$192
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$4,138
Returns
Return before costson price3.88%
Cash returnon cash-11.50%
Gross margin$1,627
Cash needed$431,777
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.37
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
$45,984
$24,686
$70,955
$0
$0
-$49,657
-$49,657
Year 2
$47,364
$25,427
$70,955
$0
$0
-$49,018
-$98,675
Year 3
$48,784
$26,190
$70,955
$0
$0
-$48,360
-$147,034
Year 4
$50,248
$26,975
$70,955
$0
$0
-$47,682
-$194,716
Year 5
$51,755
$27,784
$70,955
$0
$0
-$46,984
-$241,700
Year 5 disposal
Disposal gain (gross)-$40,233
CGT$0
Net Disposal proceeds$1,275,627
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 · 4876.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 54 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
9/100
Marginal
3.88% — verify the rent + comps locally.
3.88% Return before costs — around the area average for this property type.
Monthly profit −$4,138/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$4K/mo
You top up $4K/mo
Price
$1.19M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$432K
Deposit + fees + refurb
Return before costson price3.88%5-yr return on cash -56%Rent est. $3,832 ($3,292–$4,461)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,292–$4,461/mo · n=80
Financing
DepositYour cash in — the rest is the mortgage25% · $296,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $72,085–$134,835 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $888,750 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
-$4,138
after mortgage, operating costs & tax
Rent in$3,832/mo
$3,685Collected
$3,685/mo actually reaches you — the other $147 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,913Mortgage$2,057Costs
Outgoings exceed rent — you top up $4,138/mo
Mortgage$5,913
Costs$2,057
Management$383
Maintenance$67
Insurance$40
CapEx reserve$192
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$4,138
Returns
Return before costson price3.88%
Cash returnon cash-11.50%
Gross margin$1,627
Cash needed$431,777
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.37
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
$45,984
$24,686
$70,955
$0
$0
-$49,657
-$49,657
Year 2
$47,364
$25,427
$70,955
$0
$0
-$49,018
-$98,675
Year 3
$48,784
$26,190
$70,955
$0
$0
-$48,360
-$147,034
Year 4
$50,248
$26,975
$70,955
$0
$0
-$47,682
-$194,716
Year 5
$51,755
$27,784
$70,955
$0
$0
-$46,984
-$241,700
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
$432K
25% deposit$296,250
Refurb$103,460
Legal + survey$3,700
Mortgage + broker$18,775
Cash needed$431,777
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