Likely sold or withdrawnWe last saw this listing 64 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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5 BED SINGLE-FAMILY HOMEListed 94d ago
5-bed single_family investor view
3698 Sorrel Ridge Ln, York, PA 17406 · 5,218 sqft · $126/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
−$3K/mo
You top up $3K/mo
Price
$660K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$582K
Deposit + fees + refurb
Return before costson price2.64%5-yr return on cash -32%Rent est. $1,450 ($1,426–$1,474)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,426–$1,474/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $164,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $659,900 asking ($395,940). Raw model: $214,070–$398,250. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $494,925 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
-$3,085
after mortgage, operating costs & tax
Rent in$1,450/mo
$1,394Collected
$1,394/mo actually reaches you — the other $56 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,293Mortgage$1,243Costs
Outgoings exceed rent — you top up $3,085/mo
Mortgage$3,293
Costs$1,243
Management$145
Maintenance$67
Insurance$40
CapEx reserve$73
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$3,085
Returns
Return before costson price2.64%
Cash returnon cash-6.36%
Gross margin$152
Cash needed$582,362
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.24
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
$17,400
$14,912
$39,513
$0
$0
-$37,025
-$37,025
Year 2
$17,922
$15,359
$39,513
$0
$0
-$36,950
-$73,975
Year 3
$18,460
$15,820
$39,513
$0
$0
-$36,873
-$110,848
Year 4
$19,013
$16,294
$39,513
$0
$0
-$36,794
-$147,642
Year 5
$19,584
$16,783
$39,513
$0
$0
-$36,712
-$184,354
Year 5 disposal
Disposal gain (gross)-$361,570
CGT$0
Net Disposal proceeds$710,368
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5395.8 km
Reason
5-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 64 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
2.64% — verify the rent + comps locally.
2.64% Return before costs — around the area average for this property type.
Monthly profit −$3,085/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$660K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$582K
Deposit + fees + refurb
Return before costson price2.64%5-yr return on cash -32%Rent est. $1,450 ($1,426–$1,474)
Bedrooms
5
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,426–$1,474/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $164,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $659,900 asking ($395,940). Raw model: $214,070–$398,250. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $494,925 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
-$3,085
after mortgage, operating costs & tax
Rent in$1,450/mo
$1,394Collected
$1,394/mo actually reaches you — the other $56 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,293Mortgage$1,243Costs
Outgoings exceed rent — you top up $3,085/mo
Mortgage$3,293
Costs$1,243
Management$145
Maintenance$67
Insurance$40
CapEx reserve$73
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$3,085
Returns
Return before costson price2.64%
Cash returnon cash-6.36%
Gross margin$152
Cash needed$582,362
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.24
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
$17,400
$14,912
$39,513
$0
$0
-$37,025
-$37,025
Year 2
$17,922
$15,359
$39,513
$0
$0
-$36,950
-$73,975
Year 3
$18,460
$15,820
$39,513
$0
$0
-$36,873
-$110,848
Year 4
$19,013
$16,294
$39,513
$0
$0
-$36,794
-$147,642
Year 5
$19,584
$16,783
$39,513
$0
$0
-$36,712
-$184,354
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$582K
25% deposit$164,975
Refurb$395,940
Legal + survey$2,900
Mortgage + broker$10,899
Cash needed$582,362
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