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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3 BED TOWNHOUSEListed 66d ago
Strong return buy-to-let
390 Bruaw Dr, York, PA 17406 · 1,820 sqft · $148/sqft
Real 8.19% return before costs with manageable risks.
Why it works
8.19% return before costs — above-market
Why to be cautious
Monthly profit −$336/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
−$336/mo
You top up $336/mo
Price
$270K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$238K
Deposit + fees + refurb
Return before costson price8.19%5-yr return on cash -7%Rent est. $1,843 ($1,645–$2,065)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,645–$2,065/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $67,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $269,900 asking ($161,940). Raw model: $89,440–$166,930. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $202,425 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$336
after mortgage, operating costs & tax
Rent in$1,843/mo
$1,772Collected
$1,772/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,347Mortgage$832Costs
Outgoings exceed rent — you top up $336/mo
Mortgage$1,347
Costs$832
Management$184
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$336
Returns
Return before costson price8.19%
Cash returnon cash-1.69%
Gross margin$940
Cash needed$238,187
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.70
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
$22,116
$9,990
$16,161
$0
$0
-$4,034
-$4,034
Year 2
$22,779
$10,289
$16,161
$0
$0
-$3,671
-$7,705
Year 3
$23,463
$10,598
$16,161
$0
$0
-$3,296
-$11,001
Year 4
$24,167
$10,916
$16,161
$0
$0
-$2,910
-$13,911
Year 5
$24,892
$11,243
$16,161
$0
$0
-$2,512
-$16,423
Year 5 disposal
Disposal gain (gross)-$148,846
CGT$0
Net Disposal proceeds$290,542
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 · 5399.2 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 64 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
62/100
Solid
Real 8.19% — fundamentals work.
8.19% Return before costs — above-market
Monthly cashflow
−$336/mo
You top up $336/mo
Price
$270K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$238K
Deposit + fees + refurb
Return before costson price8.19%5-yr return on cash -7%Rent est. $1,843 ($1,645–$2,065)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,645–$2,065/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $67,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $269,900 asking ($161,940). Raw model: $89,440–$166,930. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $202,425 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$336
after mortgage, operating costs & tax
Rent in$1,843/mo
$1,772Collected
$1,772/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,347Mortgage$832Costs
Outgoings exceed rent — you top up $336/mo
Mortgage$1,347
Costs$832
Management$184
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$336
Returns
Return before costson price8.19%
Cash returnon cash-1.69%
Gross margin$940
Cash needed$238,187
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.70
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
$22,116
$9,990
$16,161
$0
$0
-$4,034
-$4,034
Year 2
$22,779
$10,289
$16,161
$0
$0
-$3,671
-$7,705
Year 3
$23,463
$10,598
$16,161
$0
$0
-$3,296
-$11,001
Year 4
$24,167
$10,916
$16,161
$0
$0
-$2,910
-$13,911
Year 5
$24,892
$11,243
$16,161
$0
$0
-$2,512
-$16,423
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
$238K
25% deposit$67,475
Refurb$161,940
Legal + survey$2,150
Mortgage + broker$5,049
Cash needed$238,187
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