Likely sold or withdrawnWe last saw this listing 72 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
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
−$80/mo
You top up $80/mo
Price
$650K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$249K
Deposit + fees + refurb
Return before costson price9.67%5-yr return on cash 2%Rent est. $5,238 ($4,268–$6,428)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,268–$6,428/mo · n=93
Financing
DepositYour cash in — the rest is the mortgage25% · $162,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $48,390–$90,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $487,500 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
-$80
after mortgage, operating costs & tax
Rent in$5,238/mo
$5,037Collected
$5,037/mo actually reaches you — the other $201 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,243Mortgage$2,074Costs
Outgoings exceed rent — you top up $80/mo
Mortgage$3,243
Costs$2,074
Management$524
Maintenance$67
Insurance$40
CapEx reserve$262
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$80
Returns
Return before costson price9.67%
Cash returnon cash-0.38%
Gross margin$2,962
Cash needed$249,335
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$62,856
$24,891
$38,920
$0
$0
-$955
-$955
Year 2
$64,742
$25,638
$38,920
$0
$35
$149
-$806
Year 3
$66,684
$26,407
$38,920
$0
$258
$1,099
$293
Year 4
$68,684
$27,199
$38,920
$0
$487
$2,078
$2,371
Year 5
$70,745
$28,015
$38,920
$0
$724
$3,086
$5,457
Year 5 disposal
Disposal gain (gross)-$35,799
CGT$0
Net Disposal proceeds$699,711
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 · 5173.4 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 72 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 9.67% — fundamentals work.
9.67% Return before costs — above-market
Monthly cashflow
−$80/mo
You top up $80/mo
Price
$650K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$249K
Deposit + fees + refurb
Return before costson price9.67%5-yr return on cash 2%Rent est. $5,238 ($4,268–$6,428)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,268–$6,428/mo · n=93
Financing
DepositYour cash in — the rest is the mortgage25% · $162,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $48,390–$90,830 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $487,500 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
-$80
after mortgage, operating costs & tax
Rent in$5,238/mo
$5,037Collected
$5,037/mo actually reaches you — the other $201 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,243Mortgage$2,074Costs
Outgoings exceed rent — you top up $80/mo
Mortgage$3,243
Costs$2,074
Management$524
Maintenance$67
Insurance$40
CapEx reserve$262
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$80
Returns
Return before costson price9.67%
Cash returnon cash-0.38%
Gross margin$2,962
Cash needed$249,335
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$62,856
$24,891
$38,920
$0
$0
-$955
-$955
Year 2
$64,742
$25,638
$38,920
$0
$35
$149
-$806
Year 3
$66,684
$26,407
$38,920
$0
$258
$1,099
$293
Year 4
$68,684
$27,199
$38,920
$0
$487
$2,078
$2,371
Year 5
$70,745
$28,015
$38,920
$0
$724
$3,086
$5,457
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$249K
25% deposit$162,500
Refurb$69,610
Legal + survey$2,900
Mortgage + broker$10,750
Cash needed$249,335
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