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
+$101/mo
Barely breaks even each month
Price
$110K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$96K
Deposit + fees + refurb
Return before costson price12.71%5-yr return on cash 7%Rent est. $1,164 ($1,111–$1,220)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,111–$1,220/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $27,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $109,900 asking ($65,940). Raw model: $68,620–$128,400. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $82,425 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
+$101
after mortgage, operating costs & tax
Rent in$1,164/mo
$1,119Collected
$1,119/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$548Mortgage$515Costs
$101/mo left as profit · 9% of rent kept
Mortgage$548
Costs$515
Management$116
Maintenance$67
Insurance$20
CapEx reserve$58
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$101
Returns
Return before costson price12.71%
Cash returnon cash1.26%
Gross margin$604
Cash needed$95,998
Monthly profit payback79y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check0.97
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
$13,968
$6,180
$6,581
$0
$229
$979
$979
Year 2
$14,387
$6,365
$6,581
$0
$274
$1,167
$2,146
Year 3
$14,819
$6,556
$6,581
$0
$320
$1,362
$3,508
Year 4
$15,263
$6,753
$6,581
$0
$367
$1,563
$5,071
Year 5
$15,721
$6,955
$6,581
$0
$415
$1,770
$6,841
Year 5 disposal
Disposal gain (gross)-$61,433
CGT$0
Net Disposal proceeds$118,305
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 · 5689 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 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 12.71% — fundamentals work.
12.71% Return before costs — above-market
Monthly cashflow
+$101/mo
Barely breaks even each month
Price
$110K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$96K
Deposit + fees + refurb
Return before costson price12.71%5-yr return on cash 7%Rent est. $1,164 ($1,111–$1,220)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,111–$1,220/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $27,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $109,900 asking ($65,940). Raw model: $68,620–$128,400. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $82,425 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
+$101
after mortgage, operating costs & tax
Rent in$1,164/mo
$1,119Collected
$1,119/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$548Mortgage$515Costs
$101/mo left as profit · 9% of rent kept
Mortgage$548
Costs$515
Management$116
Maintenance$67
Insurance$20
CapEx reserve$58
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$101
Returns
Return before costson price12.71%
Cash returnon cash1.26%
Gross margin$604
Cash needed$95,998
Monthly profit payback79y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check0.97
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
$13,968
$6,180
$6,581
$0
$229
$979
$979
Year 2
$14,387
$6,365
$6,581
$0
$274
$1,167
$2,146
Year 3
$14,819
$6,556
$6,581
$0
$320
$1,362
$3,508
Year 4
$15,263
$6,753
$6,581
$0
$367
$1,563
$5,071
Year 5
$15,721
$6,955
$6,581
$0
$415
$1,770
$6,841
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
$96K
25% deposit$27,475
Refurb$65,940
Legal + survey$1,700
Mortgage + broker$2,649
Cash needed$95,998
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