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.
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5 BED TOWNHOUSEListed 95d ago
Strong return buy-to-let
1359 N 10th St, Reading, PA 19604 · 1,550 sqft · $135/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
−$81/mo
You top up $81/mo
Price
$210K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$185K
Deposit + fees + refurb
Return before costson price9.70%5-yr return on cash -1%Rent est. $1,698 ($1,613–$1,787)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,613–$1,787/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $52,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $210,000 asking ($126,000). Raw model: $68,590–$128,480. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $157,500 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
-$81
after mortgage, operating costs & tax
Rent in$1,698/mo
$1,633Collected
$1,633/mo actually reaches you — the other $65 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,048Mortgage$731Costs
Outgoings exceed rent — you top up $81/mo
Mortgage$1,048
Costs$731
Management$170
Maintenance$67
Insurance$28
CapEx reserve$85
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$81
Returns
Return before costson price9.70%
Cash returnon cash-0.52%
Gross margin$902
Cash needed$185,325
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
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
$20,376
$8,769
$12,574
$0
$0
-$967
-$967
Year 2
$20,987
$9,032
$12,574
$0
$0
-$619
-$1,586
Year 3
$21,617
$9,303
$12,574
$0
$0
-$260
-$1,847
Year 4
$22,265
$9,582
$12,574
$0
$21
$88
-$1,759
Year 5
$22,933
$9,870
$12,574
$0
$93
$396
-$1,362
Year 5 disposal
Disposal gain (gross)-$115,839
CGT$0
Net Disposal proceeds$226,061
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5323.3 km
Reason
5-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 9.70% — fundamentals work.
9.70% Return before costs — above-market
Monthly cashflow
−$81/mo
You top up $81/mo
Price
$210K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$185K
Deposit + fees + refurb
Return before costson price9.70%5-yr return on cash -1%Rent est. $1,698 ($1,613–$1,787)
Bedrooms
5
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,613–$1,787/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $52,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $210,000 asking ($126,000). Raw model: $68,590–$128,480. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $157,500 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
-$81
after mortgage, operating costs & tax
Rent in$1,698/mo
$1,633Collected
$1,633/mo actually reaches you — the other $65 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,048Mortgage$731Costs
Outgoings exceed rent — you top up $81/mo
Mortgage$1,048
Costs$731
Management$170
Maintenance$67
Insurance$28
CapEx reserve$85
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$81
Returns
Return before costson price9.70%
Cash returnon cash-0.52%
Gross margin$902
Cash needed$185,325
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
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
$20,376
$8,769
$12,574
$0
$0
-$967
-$967
Year 2
$20,987
$9,032
$12,574
$0
$0
-$619
-$1,586
Year 3
$21,617
$9,303
$12,574
$0
$0
-$260
-$1,847
Year 4
$22,265
$9,582
$12,574
$0
$21
$88
-$1,759
Year 5
$22,933
$9,870
$12,574
$0
$93
$396
-$1,362
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$185K
25% deposit$52,500
Refurb$126,000
Legal + survey$1,700
Mortgage + broker$4,150
Cash needed$185,325
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