Likely sold or withdrawnWe last saw this listing 28 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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3 BED CONDOListed 39d ago
Strong return buy-to-let
8 Wiget St APT 1, Boston, MA 02113 · 1,222 sqft · $552/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
−$100/mo
You top up $100/mo
Price
$675K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$277K
Deposit + fees + refurb
Return before costson price8.97%5-yr return on cash 2%Rent est. $5,044 ($4,462–$5,702)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,462–$5,702/mo · n=45
Financing
DepositYour cash in — the rest is the mortgage25% · $168,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $62,810–$117,610 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $506,250 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
-$100
after mortgage, operating costs & tax
Rent in$5,044/mo
$4,850Collected
$4,850/mo actually reaches you — the other $194 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,368Mortgage$1,776Costs
Outgoings exceed rent — you top up $100/mo
Mortgage$3,368
Costs$1,776
Management$504
Maintenance$67
Insurance$40
CapEx reserve$252
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$100
Returns
Return before costson price8.97%
Cash returnon cash-0.43%
Gross margin$3,074
Cash needed$277,226
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$60,528
$21,307
$40,417
$0
$0
-$1,196
-$1,196
Year 2
$62,344
$21,946
$40,417
$0
$0
-$20
-$1,216
Year 3
$64,214
$22,605
$40,417
$0
$227
$965
-$251
Year 4
$66,141
$23,283
$40,417
$0
$464
$1,977
$1,726
Year 5
$68,125
$23,981
$40,417
$0
$708
$3,018
$4,744
Year 5 disposal
Disposal gain (gross)-$54,987
CGT$0
Net Disposal proceeds$726,623
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 · 4874.5 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 28 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 8.97% — fundamentals work.
8.97% Return before costs — above-market
Monthly cashflow
−$100/mo
You top up $100/mo
Price
$675K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$277K
Deposit + fees + refurb
Return before costson price8.97%5-yr return on cash 2%Rent est. $5,044 ($4,462–$5,702)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,462–$5,702/mo · n=45
Financing
DepositYour cash in — the rest is the mortgage25% · $168,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $62,810–$117,610 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $506,250 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
-$100
after mortgage, operating costs & tax
Rent in$5,044/mo
$4,850Collected
$4,850/mo actually reaches you — the other $194 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,368Mortgage$1,776Costs
Outgoings exceed rent — you top up $100/mo
Mortgage$3,368
Costs$1,776
Management$504
Maintenance$67
Insurance$40
CapEx reserve$252
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$100
Returns
Return before costson price8.97%
Cash returnon cash-0.43%
Gross margin$3,074
Cash needed$277,226
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.84
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
$60,528
$21,307
$40,417
$0
$0
-$1,196
-$1,196
Year 2
$62,344
$21,946
$40,417
$0
$0
-$20
-$1,216
Year 3
$64,214
$22,605
$40,417
$0
$227
$965
-$251
Year 4
$66,141
$23,283
$40,417
$0
$464
$1,977
$1,726
Year 5
$68,125
$23,981
$40,417
$0
$708
$3,018
$4,744
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
$277K
25% deposit$168,750
Refurb$90,210
Legal + survey$2,900
Mortgage + broker$11,125
Cash needed$277,226
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