Likely sold or withdrawnWe last saw this listing 70 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 90d ago
2-bed townhouse investor view
1057 Rock Ave, San Jose, CA 95131 · 1,213 sqft · $823/sqft
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
−$3K/mo
You top up $3K/mo
Price
$999K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$363K
Deposit + fees + refurb
Return before costson price4.14%5-yr return on cash -47%Rent est. $3,444 ($3,152–$3,763)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,152–$3,763/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $249,722
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $62,495–$117,025 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $749,166 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$2,964
after mortgage, operating costs & tax
Rent in$3,444/mo
$3,312Collected
$3,312/mo actually reaches you — the other $132 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,984Mortgage$1,423Costs
Outgoings exceed rent — you top up $2,964/mo
Mortgage$4,984
Costs$1,423
Management$344
Maintenance$67
Insurance$40
CapEx reserve$172
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$2,964
Returns
Return before costson price4.14%
Cash returnon cash-9.80%
Gross margin$1,888
Cash needed$363,056
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.42
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
$41,328
$17,080
$59,811
$0
$0
-$35,563
-$35,563
Year 2
$42,568
$17,593
$59,811
$0
$0
-$34,836
-$70,399
Year 3
$43,845
$18,121
$59,811
$0
$0
-$34,086
-$104,485
Year 4
$45,160
$18,664
$59,811
$0
$0
-$33,315
-$137,800
Year 5
$46,515
$19,224
$59,811
$0
$0
-$32,520
-$170,320
Year 5 disposal
Disposal gain (gross)-$36,244
CGT$0
Net Disposal proceeds$1,075,282
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 Aberdeen · 8091.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 70 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
11/100
Marginal
4.14% — verify the rent + comps locally.
4.14% Return before costs — around the area average for this property type.
Monthly profit −$2,964/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$999K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$363K
Deposit + fees + refurb
Return before costson price4.14%5-yr return on cash -47%Rent est. $3,444 ($3,152–$3,763)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,152–$3,763/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $249,722
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $62,495–$117,025 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $749,166 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$2,964
after mortgage, operating costs & tax
Rent in$3,444/mo
$3,312Collected
$3,312/mo actually reaches you — the other $132 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,984Mortgage$1,423Costs
Outgoings exceed rent — you top up $2,964/mo
Mortgage$4,984
Costs$1,423
Management$344
Maintenance$67
Insurance$40
CapEx reserve$172
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$2,964
Returns
Return before costson price4.14%
Cash returnon cash-9.80%
Gross margin$1,888
Cash needed$363,056
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.42
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
$41,328
$17,080
$59,811
$0
$0
-$35,563
-$35,563
Year 2
$42,568
$17,593
$59,811
$0
$0
-$34,836
-$70,399
Year 3
$43,845
$18,121
$59,811
$0
$0
-$34,086
-$104,485
Year 4
$45,160
$18,664
$59,811
$0
$0
-$33,315
-$137,800
Year 5
$46,515
$19,224
$59,811
$0
$0
-$32,520
-$170,320
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
$363K
25% deposit$249,722
Refurb$89,760
Legal + survey$2,900
Mortgage + broker$15,983
Cash needed$363,056
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