Likely sold or withdrawnWe last saw this listing 24 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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4 BED SINGLE-FAMILY HOMEListed 34d ago
Strong return buy-to-let
2805 Island Rd, Gloucester, VA 23061 · 1,248 sqft · $151/sqft
Monthly profit +$974/mo from completion — the no.1 reason to invest
17.24% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
+$974/mo
Pays you every month, net of costs
Price
$189K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price17.24%5-yr return on cash 32%Rent est. $2,716 ($2,420–$3,048)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,420–$3,048/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $47,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $189,000 asking ($113,400). Raw model: $63,720–$119,300. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $141,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$974
after mortgage, operating costs & tax
Rent in$2,716/mo
$2,612Collected
$2,612/mo actually reaches you — the other $104 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$943Mortgage$799Costs$974Your profit
$974/mo left as profit · 37% of rent kept
Mortgage$943
Costs$799
Management$272
Maintenance$67
Insurance$20
CapEx reserve$136
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$974
Returns
Return before costson price17.24%
Cash returnon cash7.06%
Gross margin$1,813
Cash needed$165,527
Monthly profit payback14y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.55
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
$32,592
$9,587
$11,317
$0
$2,221
$9,468
$9,468
Year 2
$33,570
$9,874
$11,317
$0
$2,352
$10,027
$19,494
Year 3
$34,577
$10,170
$11,317
$0
$2,487
$10,603
$30,097
Year 4
$35,614
$10,475
$11,317
$0
$2,626
$11,196
$41,293
Year 5
$36,683
$10,790
$11,317
$0
$2,769
$11,807
$53,100
Year 5 disposal
Disposal gain (gross)-$104,426
CGT$0
Net Disposal proceeds$203,454
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5598.2 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Likely sold or withdrawnWe last saw this listing 24 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 17.24% — fundamentals work.
Monthly profit+$974/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
17.24% Return before costs — above-market
Monthly cashflow
+$974/mo
Pays you every month, net of costs
Price
$189K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$166K
Deposit + fees + refurb
Return before costson price17.24%5-yr return on cash 32%Rent est. $2,716 ($2,420–$3,048)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,420–$3,048/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $47,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $189,000 asking ($113,400). Raw model: $63,720–$119,300. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $141,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$974
after mortgage, operating costs & tax
Rent in$2,716/mo
$2,612Collected
$2,612/mo actually reaches you — the other $104 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$943Mortgage$799Costs$974Your profit
$974/mo left as profit · 37% of rent kept
Mortgage$943
Costs$799
Management$272
Maintenance$67
Insurance$20
CapEx reserve$136
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$974
Returns
Return before costson price17.24%
Cash returnon cash7.06%
Gross margin$1,813
Cash needed$165,527
Monthly profit payback14y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.55
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
$32,592
$9,587
$11,317
$0
$2,221
$9,468
$9,468
Year 2
$33,570
$9,874
$11,317
$0
$2,352
$10,027
$19,494
Year 3
$34,577
$10,170
$11,317
$0
$2,487
$10,603
$30,097
Year 4
$35,614
$10,475
$11,317
$0
$2,626
$11,196
$41,293
Year 5
$36,683
$10,790
$11,317
$0
$2,769
$11,807
$53,100
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
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Acquisition costs
$166K
25% deposit$47,250
Refurb$113,400
Legal + survey$1,700
Mortgage + broker$3,835
Cash needed$165,527
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