Likely sold or withdrawnWe last saw this listing 99 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
+$74/mo
Barely breaks even each month
Price
$219K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$159K
Deposit + fees + refurb
Return before costson price9.95%5-yr return on cash 4%Rent est. $1,816 ($1,661–$1,985)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,661–$1,985/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,040–$129,180 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,250 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
+$74
after mortgage, operating costs & tax
Rent in$1,816/mo
$1,746Collected
$1,746/mo actually reaches you — the other $70 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,093Mortgage$649Costs
$74/mo left as profit · 4% of rent kept
Mortgage$1,093
Costs$649
Management$182
Maintenance$67
Insurance$28
CapEx reserve$91
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$74
Returns
Return before costson price9.95%
Cash returnon cash0.56%
Gross margin$1,097
Cash needed$158,788
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.91
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
$21,792
$7,790
$13,113
$0
$169
$719
$719
Year 2
$22,446
$8,024
$13,113
$0
$249
$1,060
$1,779
Year 3
$23,119
$8,265
$13,113
$0
$331
$1,410
$3,189
Year 4
$23,813
$8,513
$13,113
$0
$415
$1,772
$4,961
Year 5
$24,527
$8,768
$13,113
$0
$503
$2,143
$7,104
Year 5 disposal
Disposal gain (gross)-$88,441
CGT$0
Net Disposal proceeds$235,749
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 · 6001.8 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 99 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 9.95% — fundamentals work.
9.95% Return before costs — above-market
Monthly cashflow
+$74/mo
Barely breaks even each month
Price
$219K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$159K
Deposit + fees + refurb
Return before costson price9.95%5-yr return on cash 4%Rent est. $1,816 ($1,661–$1,985)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,661–$1,985/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $69,040–$129,180 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,250 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
+$74
after mortgage, operating costs & tax
Rent in$1,816/mo
$1,746Collected
$1,746/mo actually reaches you — the other $70 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,093Mortgage$649Costs
$74/mo left as profit · 4% of rent kept
Mortgage$1,093
Costs$649
Management$182
Maintenance$67
Insurance$28
CapEx reserve$91
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$74
Returns
Return before costson price9.95%
Cash returnon cash0.56%
Gross margin$1,097
Cash needed$158,788
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.91
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
$21,792
$7,790
$13,113
$0
$169
$719
$719
Year 2
$22,446
$8,024
$13,113
$0
$249
$1,060
$1,779
Year 3
$23,119
$8,265
$13,113
$0
$331
$1,410
$3,189
Year 4
$23,813
$8,513
$13,113
$0
$415
$1,772
$4,961
Year 5
$24,527
$8,768
$13,113
$0
$503
$2,143
$7,104
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
$159K
25% deposit$54,750
Refurb$99,110
Legal + survey$1,700
Mortgage + broker$4,285
Cash needed$158,788
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