Likely sold or withdrawnWe last saw this listing 64 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
+$17/mo
Barely breaks even each month
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$100K
Deposit + fees + refurb
Return before costson price11.49%5-yr return on cash 3%Rent est. $1,101 ($966–$1,255)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $966–$1,255/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $54,765–$102,805. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$17
after mortgage, operating costs & tax
Rent in$1,101/mo
$1,059Collected
$1,059/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$574Mortgage$510Costs
$17/mo left as profit · 2% of rent kept
Mortgage$574
Costs$510
Management$110
Maintenance$67
Insurance$20
CapEx reserve$55
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$17
Returns
Return before costson price11.49%
Cash returnon cash0.21%
Gross margin$549
Cash needed$100,453
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.88
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
$13,212
$6,118
$6,886
$0
$39
$169
$169
Year 2
$13,608
$6,302
$6,886
$0
$80
$341
$509
Year 3
$14,017
$6,491
$6,886
$0
$122
$518
$1,027
Year 4
$14,437
$6,686
$6,886
$0
$164
$701
$1,728
Year 5
$14,870
$6,886
$6,886
$0
$209
$889
$2,617
Year 5 disposal
Disposal gain (gross)-$64,205
CGT$0
Net Disposal proceeds$123,795
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 · 5690.7 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 64 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 11.49% — fundamentals work.
11.49% Return before costs — above-market
Monthly cashflow
+$17/mo
Barely breaks even each month
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$100K
Deposit + fees + refurb
Return before costson price11.49%5-yr return on cash 3%Rent est. $1,101 ($966–$1,255)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $966–$1,255/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $54,765–$102,805. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$17
after mortgage, operating costs & tax
Rent in$1,101/mo
$1,059Collected
$1,059/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$574Mortgage$510Costs
$17/mo left as profit · 2% of rent kept
Mortgage$574
Costs$510
Management$110
Maintenance$67
Insurance$20
CapEx reserve$55
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$17
Returns
Return before costson price11.49%
Cash returnon cash0.21%
Gross margin$549
Cash needed$100,453
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.88
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
$13,212
$6,118
$6,886
$0
$39
$169
$169
Year 2
$13,608
$6,302
$6,886
$0
$80
$341
$509
Year 3
$14,017
$6,491
$6,886
$0
$122
$518
$1,027
Year 4
$14,437
$6,686
$6,886
$0
$164
$701
$1,728
Year 5
$14,870
$6,886
$6,886
$0
$209
$889
$2,617
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
$100K
25% deposit$28,750
Refurb$69,000
Legal + survey$1,700
Mortgage + broker$2,725
Cash needed$100,453
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