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.
Real 8.77% return before costs with manageable risks.
Why it works
8.77% return before costs — above-market
Why to be cautious
Monthly profit −$220/mo — significantly negative — real recurring drain
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
−$220/mo
You top up $220/mo
Price
$183K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$159K
Deposit + fees + refurb
Return before costson price8.77%5-yr return on cash -7%Rent est. $1,334 ($1,160–$1,534)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,160–$1,534/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $45,625
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $182,500 asking ($109,500). Raw model: $70,260–$131,310. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $136,875 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
-$220
after mortgage, operating costs & tax
Rent in$1,334/mo
$1,283Collected
$1,283/mo actually reaches you — the other $51 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$911Mortgage$643Costs
Outgoings exceed rent — you top up $220/mo
Mortgage$911
Costs$643
Management$133
Maintenance$67
Insurance$20
CapEx reserve$67
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$220
Returns
Return before costson price8.77%
Cash returnon cash-1.65%
Gross margin$639
Cash needed$159,414
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.72
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
$16,008
$7,719
$10,928
$0
$0
-$2,638
-$2,638
Year 2
$16,488
$7,950
$10,928
$0
$0
-$2,390
-$5,028
Year 3
$16,983
$8,189
$10,928
$0
$0
-$2,133
-$7,161
Year 4
$17,492
$8,434
$10,928
$0
$0
-$1,870
-$9,031
Year 5
$18,017
$8,687
$10,928
$0
$0
-$1,598
-$10,628
Year 5 disposal
Disposal gain (gross)-$100,893
CGT$0
Net Disposal proceeds$196,457
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 · 5695.8 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.
65/100
Solid
Real 8.77% — fundamentals work.
8.77% Return before costs — above-market
Monthly cashflow
−$220/mo
You top up $220/mo
Price
$183K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$159K
Deposit + fees + refurb
Return before costson price8.77%5-yr return on cash -7%Rent est. $1,334 ($1,160–$1,534)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,160–$1,534/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $45,625
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $182,500 asking ($109,500). Raw model: $70,260–$131,310. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $136,875 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
-$220
after mortgage, operating costs & tax
Rent in$1,334/mo
$1,283Collected
$1,283/mo actually reaches you — the other $51 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$911Mortgage$643Costs
Outgoings exceed rent — you top up $220/mo
Mortgage$911
Costs$643
Management$133
Maintenance$67
Insurance$20
CapEx reserve$67
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$220
Returns
Return before costson price8.77%
Cash returnon cash-1.65%
Gross margin$639
Cash needed$159,414
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.72
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
$16,008
$7,719
$10,928
$0
$0
-$2,638
-$2,638
Year 2
$16,488
$7,950
$10,928
$0
$0
-$2,390
-$5,028
Year 3
$16,983
$8,189
$10,928
$0
$0
-$2,133
-$7,161
Year 4
$17,492
$8,434
$10,928
$0
$0
-$1,870
-$9,031
Year 5
$18,017
$8,687
$10,928
$0
$0
-$1,598
-$10,628
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
$159K
25% deposit$45,625
Refurb$109,500
Legal + survey$1,700
Mortgage + broker$3,738
Cash needed$159,414
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