Likely sold or withdrawnWe last saw this listing 57 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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3 BED SINGLE-FAMILY HOMEListed 110d ago
Strong return buy-to-let
23021 W Avenue D15, Lancaster, CA 93536 · 1,036 sqft · $327/sqft
Monthly profit +$957/mo from completion — the no.1 reason to invest
13.13% return before costs — above-market
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 →
Price
$339K
Return before costson price
13.13%
est rent $3,710not enough comparablesRange $3,154–$4,364/mo (Q1–Q3)
Cash needed
$174K
deposit + costs
Monthly profit
+$957
net of mgmt + voids
5y Return on your cash
31.4%
after tax
IRR
—
cash + capital
Rent Range
$3,154–$4,364
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,154–$4,364/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · $84,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $56,300–$105,520 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $254,250 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
+$957
after mortgage, operating costs & tax
Rent in$3,567/mo
Where it goes
$1,692$1,061$957
$957/mo left as profit · 27% of rent kept
Mortgage$1,692
Costs$1,061
Management$371
Maintenance$67
Insurance$28
CapEx reserve$186
Voids + council tax$7
Tax—
Profit+$957
Income
Monthly rent+$3,710
After 2wk voids: $3,567/mo
Outgoings
Mortgage-$1,692
Operating costs-$1,061
show breakdown ▾
Management (10% of rent)-$371
CapEx reserve (5% of rent)-$186
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.13%
Cash returnon cash6.62%
Gross margin$2,506
Cash needed$173,661
Monthly profit payback15y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.26
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
$44,520
$12,733
$20,298
$0
$2,183
$9,306
$9,306
Year 2
$45,856
$13,115
$20,298
$0
$2,364
$10,078
$19,384
Year 3
$47,231
$13,508
$20,298
$0
$2,551
$10,874
$30,258
Year 4
$48,648
$13,914
$20,298
$0
$2,743
$11,693
$41,951
Year 5
$50,108
$14,331
$20,298
$0
$2,941
$12,537
$54,489
Year 5 disposal
Disposal gain (gross)-$63,914
CGT$0
Net Disposal proceeds$364,926
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 · 8184.1 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 57 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
84/100
Strong
Real 13.13% — fundamentals work.
Monthly profit+$957/mo at 25% deposit @ 5.5%
13.13% Return before costs — above-market
Price
$339K
Return before costs
13.13%
est rent $3,710/monot enough comparablesRange $3,154–$4,364/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,154–$4,364/mo · n=3
Financing
DepositYour cash in — the rest is the mortgage25% · $84,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $56,300–$105,520 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $254,250 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
+$957
after mortgage, operating costs & tax
Rent in$3,567/mo
Where it goes
$1,692$1,061$957
$957/mo left as profit · 27% of rent kept
Mortgage$1,692
Costs$1,061
Management$371
Maintenance$67
Insurance$28
CapEx reserve$186
Voids + council tax$7
Tax—
Profit+$957
Income
Monthly rent+$3,710
After 2wk voids: $3,567/mo
Outgoings
Mortgage-$1,692
Operating costs-$1,061
show breakdown ▾
Management (10% of rent)-$371
CapEx reserve (5% of rent)-$186
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.13%
Cash returnon cash6.62%
Gross margin$2,506
Cash needed$173,661
Monthly profit payback15y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.26
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
$44,520
$12,733
$20,298
$0
$2,183
$9,306
$9,306
Year 2
$45,856
$13,115
$20,298
$0
$2,364
$10,078
$19,384
Year 3
$47,231
$13,508
$20,298
$0
$2,551
$10,874
$30,258
Year 4
$48,648
$13,914
$20,298
$0
$2,743
$11,693
$41,951
Year 5
$50,108
$14,331
$20,298
$0
$2,941
$12,537
$54,489
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
$174K
25% deposit$84,750
Refurb$80,910
Legal + survey$2,150
Mortgage + broker$6,085
Cash needed$173,661
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