Likely sold or withdrawnWe last saw this listing 17 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 20d ago
Solid return with caution flags
4407 River Shore Rd, Portsmouth, VA 23703 · 1,344 sqft · $167/sqft
Real 7.69% return before costs but flagged risks need pricing in.
Why it works
7.69% return before costs — above-market
Why to be cautious
Monthly profit −$266/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
−$266/mo
You top up $266/mo
Price
$225K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$197K
Deposit + fees + refurb
Return before costson price7.69%5-yr return on cash -6%Rent est. $1,442 ($1,388–$1,498)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,388–$1,498/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $225,000 asking ($135,000). Raw model: $72,780–$135,990. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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
-$266
after mortgage, operating costs & tax
Rent in$1,442/mo
$1,387Collected
$1,387/mo actually reaches you — the other $55 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$585Costs
Outgoings exceed rent — you top up $266/mo
Mortgage$1,123
Costs$585
Management$144
Maintenance$67
Insurance$28
CapEx reserve$72
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$266
Returns
Return before costson price7.69%
Cash returnon cash-1.62%
Gross margin$802
Cash needed$197,056
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
$17,304
$7,019
$13,472
$0
$0
-$3,187
-$3,187
Year 2
$17,823
$7,229
$13,472
$0
$0
-$2,878
-$6,065
Year 3
$18,358
$7,446
$13,472
$0
$0
-$2,561
-$8,626
Year 4
$18,909
$7,669
$13,472
$0
$0
-$2,233
-$10,859
Year 5
$19,476
$7,899
$13,472
$0
$0
-$1,896
-$12,755
Year 5 disposal
Disposal gain (gross)-$123,992
CGT$0
Net Disposal proceeds$242,208
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 · 5625.4 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 17 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
57/100
Caution
Real 7.69% — fundamentals work.
7.69% Return before costs — above-market
Monthly cashflow
−$266/mo
You top up $266/mo
Price
$225K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$197K
Deposit + fees + refurb
Return before costson price7.69%5-yr return on cash -6%Rent est. $1,442 ($1,388–$1,498)
Bedrooms
2
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,388–$1,498/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $225,000 asking ($135,000). Raw model: $72,780–$135,990. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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
-$266
after mortgage, operating costs & tax
Rent in$1,442/mo
$1,387Collected
$1,387/mo actually reaches you — the other $55 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$585Costs
Outgoings exceed rent — you top up $266/mo
Mortgage$1,123
Costs$585
Management$144
Maintenance$67
Insurance$28
CapEx reserve$72
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$266
Returns
Return before costson price7.69%
Cash returnon cash-1.62%
Gross margin$802
Cash needed$197,056
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
$17,304
$7,019
$13,472
$0
$0
-$3,187
-$3,187
Year 2
$17,823
$7,229
$13,472
$0
$0
-$2,878
-$6,065
Year 3
$18,358
$7,446
$13,472
$0
$0
-$2,561
-$8,626
Year 4
$18,909
$7,669
$13,472
$0
$0
-$2,233
-$10,859
Year 5
$19,476
$7,899
$13,472
$0
$0
-$1,896
-$12,755
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
$197K
25% deposit$56,250
Refurb$135,000
Legal + survey$1,700
Mortgage + broker$4,375
Cash needed$197,056
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