Likely sold or withdrawnWe last saw this listing 82 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
+$176/mo
Barely breaks even each month
Price
$160K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$140K
Deposit + fees + refurb
Return before costson price10.88%5-yr return on cash 8%Rent est. $1,450 ($1,256–$1,674)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,256–$1,674/mo · n=35
Financing
DepositYour cash in — the rest is the mortgage25% · $39,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $159,900 asking ($95,940). Raw model: $57,670–$108,200. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $119,925 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
+$176
after mortgage, operating costs & tax
Rent in$1,450/mo
$1,394Collected
$1,394/mo actually reaches you — the other $56 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$798Mortgage$477Costs
$176/mo left as profit · 13% of rent kept
Mortgage$798
Costs$477
Management$145
Maintenance$67
Insurance$20
CapEx reserve$73
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$176
Returns
Return before costson price10.88%
Cash returnon cash1.51%
Gross margin$918
Cash needed$139,673
Monthly profit payback66y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
Rent-covers-mortgage check PASS (target 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
$17,400
$5,719
$9,574
$0
$400
$1,707
$1,707
Year 2
$17,922
$5,890
$9,574
$0
$467
$1,990
$3,697
Year 3
$18,460
$6,067
$9,574
$0
$535
$2,283
$5,980
Year 4
$19,013
$6,249
$9,574
$0
$606
$2,584
$8,564
Year 5
$19,584
$6,437
$9,574
$0
$679
$2,894
$11,458
Year 5 disposal
Disposal gain (gross)-$88,609
CGT$0
Net Disposal proceeds$172,129
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 · 6485.7 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 82 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
85/100
Strong
Real 10.88% — fundamentals work.
10.88% Return before costs — above-market
Monthly cashflow
+$176/mo
Barely breaks even each month
Price
$160K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$140K
Deposit + fees + refurb
Return before costson price10.88%5-yr return on cash 8%Rent est. $1,450 ($1,256–$1,674)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,256–$1,674/mo · n=35
Financing
DepositYour cash in — the rest is the mortgage25% · $39,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $159,900 asking ($95,940). Raw model: $57,670–$108,200. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $119,925 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
+$176
after mortgage, operating costs & tax
Rent in$1,450/mo
$1,394Collected
$1,394/mo actually reaches you — the other $56 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$798Mortgage$477Costs
$176/mo left as profit · 13% of rent kept
Mortgage$798
Costs$477
Management$145
Maintenance$67
Insurance$20
CapEx reserve$73
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$176
Returns
Return before costson price10.88%
Cash returnon cash1.51%
Gross margin$918
Cash needed$139,673
Monthly profit payback66y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
Rent-covers-mortgage check PASS (target 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
$17,400
$5,719
$9,574
$0
$400
$1,707
$1,707
Year 2
$17,922
$5,890
$9,574
$0
$467
$1,990
$3,697
Year 3
$18,460
$6,067
$9,574
$0
$535
$2,283
$5,980
Year 4
$19,013
$6,249
$9,574
$0
$606
$2,584
$8,564
Year 5
$19,584
$6,437
$9,574
$0
$679
$2,894
$11,458
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
$140K
25% deposit$39,975
Refurb$95,940
Legal + survey$1,700
Mortgage + broker$3,399
Cash needed$139,673
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