Likely sold or withdrawnWe last saw this listing 51 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
Monthly profit
−$18/mo
Cash needed
$119K
Return after costs
-0.2%
Cash return
-0.2%
↓ PRICE CUT ×1 −7%
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1 BED CONDOListed 334d ago
It costs you $18 a month. That is $212 a year, every year you hold it.
The rent is well evidenced — 164 similar homes letting nearby. The shortfall is not a data problem: at this price, on these costs, the rent does not cover what it takes to hold it. It only works if you are buying for the capital growth, or buying it cheaper.
265 S 9th St APT 1F, Philadelphia, PA 19107 · 673 sqft · $297/sqft
Real 10.19% return before costs with manageable risks.
Why it works
10.19% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →
You would be topping it up every month, from your own income, for as long as you hold it.That can still be the plan if you are buying for capital growth — but it should be a decision, not a surprise. Try your own numbers →
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,504–$1,917/mo · n=164
Financing
DepositYour cash in — the rest is the mortgage25% · $49,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $43,595–$81,925 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $149,925 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$18
after mortgage, operating costs & tax
Rent in$1,698/mo
$1,633Collected
$1,633/mo actually reaches you — the other $65 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$997Mortgage$718Costs
Outgoings exceed rent — you top up $18/mo
Mortgage$997
Costs$718
Management$170
Maintenance$67
Insurance$20
CapEx reserve$85
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$18
Returns
Return before costson price10.19%
Cash returnon cash-0.18%
Gross margin$914
Cash needed$119,232
Monthly profit paybackn/a (monthly loss)
Data confidence
One card is deliberately absent.Renting it by the room — Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Ready to move on this deal?
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