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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4 BED TOWNHOUSEListed 120d ago
Rent by the room upside on 4-bed
335 Cape Climb, York, PA 17408 · 1,440 sqft · $174/sqft
Real 7.56% return before costs but flagged risks need pricing in.
Why it works
7.56% return before costs — above-market
Why to be cautious
Monthly profit −$430/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
−$430/mo
You top up $430/mo
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$221K
Deposit + fees + refurb
Return before costson price7.56%5-yr return on cash -10%Rent est. $1,574 ($1,437–$1,724)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,437–$1,724/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $249,900 asking ($149,940). Raw model: $81,840–$152,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$430
after mortgage, operating costs & tax
Rent in$1,574/mo
$1,513Collected
$1,513/mo actually reaches you — the other $61 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$757Costs
Outgoings exceed rent — you top up $430/mo
Mortgage$1,247
Costs$757
Management$157
Maintenance$67
Insurance$28
CapEx reserve$79
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$430
Returns
Return before costson price7.56%
Cash returnon cash-2.34%
Gross margin$757
Cash needed$220,537
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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
$18,888
$9,083
$14,963
$0
$0
-$5,158
-$5,158
Year 2
$19,455
$9,356
$14,963
$0
$0
-$4,864
-$10,023
Year 3
$20,038
$9,636
$14,963
$0
$0
-$4,561
-$14,584
Year 4
$20,639
$9,925
$14,963
$0
$0
-$4,249
-$18,833
Year 5
$21,259
$10,223
$14,963
$0
$0
-$3,928
-$22,761
Year 5 disposal
Disposal gain (gross)-$137,526
CGT$0
Net Disposal proceeds$269,012
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 · 5415 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.
56/100
Caution
Real 7.56% — fundamentals work.
7.56% Return before costs — above-market
Monthly cashflow
−$430/mo
You top up $430/mo
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$221K
Deposit + fees + refurb
Return before costson price7.56%5-yr return on cash -10%Rent est. $1,574 ($1,437–$1,724)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,437–$1,724/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $249,900 asking ($149,940). Raw model: $81,840–$152,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$430
after mortgage, operating costs & tax
Rent in$1,574/mo
$1,513Collected
$1,513/mo actually reaches you — the other $61 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$757Costs
Outgoings exceed rent — you top up $430/mo
Mortgage$1,247
Costs$757
Management$157
Maintenance$67
Insurance$28
CapEx reserve$79
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$430
Returns
Return before costson price7.56%
Cash returnon cash-2.34%
Gross margin$757
Cash needed$220,537
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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
$18,888
$9,083
$14,963
$0
$0
-$5,158
-$5,158
Year 2
$19,455
$9,356
$14,963
$0
$0
-$4,864
-$10,023
Year 3
$20,038
$9,636
$14,963
$0
$0
-$4,561
-$14,584
Year 4
$20,639
$9,925
$14,963
$0
$0
-$4,249
-$18,833
Year 5
$21,259
$10,223
$14,963
$0
$0
-$3,928
-$22,761
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
$221K
25% deposit$62,475
Refurb$149,940
Legal + survey$1,700
Mortgage + broker$4,749
Cash needed$220,537
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