Likely sold or withdrawnWe last saw this listing 54 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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2 BED TOWNHOUSEListed 74d ago
Solid return with caution flags
4407 King St, Portsmouth, VA 23707 · 1,226 sqft · $155/sqft
Real 7.32% return before costs but flagged risks need pricing in.
Why it works
7.32% return before costs — above-market
Why to be cautious
Monthly profit −$295/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
−$295/mo
You top up $295/mo
Price
$190K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price7.32%5-yr return on cash -9%Rent est. $1,159 ($1,067–$1,259)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,067–$1,259/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $47,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $190,000 asking ($114,000). Raw model: $62,950–$117,870. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $142,500 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$295
after mortgage, operating costs & tax
Rent in$1,159/mo
$1,114Collected
$1,114/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$948Mortgage$506Costs
Outgoings exceed rent — you top up $295/mo
Mortgage$948
Costs$506
Management$116
Maintenance$67
Insurance$20
CapEx reserve$58
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$295
Returns
Return before costson price7.32%
Cash returnon cash-2.13%
Gross margin$608
Cash needed$166,402
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.66
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
$13,908
$6,074
$11,377
$0
$0
-$3,543
-$3,543
Year 2
$14,325
$6,256
$11,377
$0
$0
-$3,308
-$6,851
Year 3
$14,755
$6,444
$11,377
$0
$0
-$3,066
-$9,916
Year 4
$15,198
$6,637
$11,377
$0
$0
-$2,816
-$12,733
Year 5
$15,654
$6,836
$11,377
$0
$0
-$2,560
-$15,292
Year 5 disposal
Disposal gain (gross)-$104,969
CGT$0
Net Disposal proceeds$204,531
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 · 5628.5 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 54 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
53/100
Caution
Real 7.32% — fundamentals work.
7.32% Return before costs — above-market
Monthly cashflow
−$295/mo
You top up $295/mo
Price
$190K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price7.32%5-yr return on cash -9%Rent est. $1,159 ($1,067–$1,259)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,067–$1,259/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $47,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $190,000 asking ($114,000). Raw model: $62,950–$117,870. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $142,500 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$295
after mortgage, operating costs & tax
Rent in$1,159/mo
$1,114Collected
$1,114/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$948Mortgage$506Costs
Outgoings exceed rent — you top up $295/mo
Mortgage$948
Costs$506
Management$116
Maintenance$67
Insurance$20
CapEx reserve$58
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$295
Returns
Return before costson price7.32%
Cash returnon cash-2.13%
Gross margin$608
Cash needed$166,402
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.66
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
$13,908
$6,074
$11,377
$0
$0
-$3,543
-$3,543
Year 2
$14,325
$6,256
$11,377
$0
$0
-$3,308
-$6,851
Year 3
$14,755
$6,444
$11,377
$0
$0
-$3,066
-$9,916
Year 4
$15,198
$6,637
$11,377
$0
$0
-$2,816
-$12,733
Year 5
$15,654
$6,836
$11,377
$0
$0
-$2,560
-$15,292
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$166K
25% deposit$47,500
Refurb$114,000
Legal + survey$1,700
Mortgage + broker$3,850
Cash needed$166,402
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