Likely sold or withdrawnWe last saw this listing 60 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 →
Price
$85K
Return before costson price
13.48%
est rent $955not enough comparablesRange $911–$1,001/mo (Q1–Q3)
Cash needed
$74K
deposit + costs
Monthly profit
+$161
net of mgmt + voids
5y Return on your cash
12.8%
after tax
IRR
—
cash + capital
Rent Range
$911–$1,001
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $911–$1,001/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $21,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $85,000 asking ($51,000). Raw model: $41,535–$78,235. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $63,750 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
+$161
after mortgage, operating costs & tax
Rent in$918/mo
Where it goes
$424$370$161
$161/mo left as profit · 17% of rent kept
Mortgage$424
Costs$370
Management$96
Maintenance$67
Insurance$20
CapEx reserve$48
Voids + council tax$5
Tax—
Profit+$161
Income
Monthly rent+$955
After 2wk voids: $918/mo
Outgoings
Mortgage-$424
Operating costs-$370
show breakdown ▾
Management (10% of rent)-$96
CapEx reserve (5% of rent)-$48
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.48%
Cash returnon cash2.59%
Gross margin$548
Cash needed$74,478
Monthly profit payback38y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.09
Rent-covers-mortgage check PASS (target 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
$11,460
$4,444
$5,090
$0
$366
$1,560
$1,560
Year 2
$11,804
$4,578
$5,090
$0
$406
$1,731
$3,291
Year 3
$12,158
$4,715
$5,090
$0
$447
$1,906
$5,197
Year 4
$12,523
$4,856
$5,090
$0
$490
$2,087
$7,284
Year 5
$12,898
$5,002
$5,090
$0
$533
$2,274
$9,557
Year 5 disposal
Disposal gain (gross)-$47,899
CGT$0
Net Disposal proceeds$91,501
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6070.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Likely sold or withdrawnWe last saw this listing 60 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 13.48% — fundamentals work.
13.48% Return before costs — above-market
Price
$85K
Return before costs
13.48%
est rent $955/monot enough comparablesRange $911–$1,001/mo (Q1–Q3)
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $911–$1,001/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $21,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $85,000 asking ($51,000). Raw model: $41,535–$78,235. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $63,750 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
+$161
after mortgage, operating costs & tax
Rent in$918/mo
Where it goes
$424$370$161
$161/mo left as profit · 17% of rent kept
Mortgage$424
Costs$370
Management$96
Maintenance$67
Insurance$20
CapEx reserve$48
Voids + council tax$5
Tax—
Profit+$161
Income
Monthly rent+$955
After 2wk voids: $918/mo
Outgoings
Mortgage-$424
Operating costs-$370
show breakdown ▾
Management (10% of rent)-$96
CapEx reserve (5% of rent)-$48
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.48%
Cash returnon cash2.59%
Gross margin$548
Cash needed$74,478
Monthly profit payback38y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.09
Rent-covers-mortgage check PASS (target 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
$11,460
$4,444
$5,090
$0
$366
$1,560
$1,560
Year 2
$11,804
$4,578
$5,090
$0
$406
$1,731
$3,291
Year 3
$12,158
$4,715
$5,090
$0
$447
$1,906
$5,197
Year 4
$12,523
$4,856
$5,090
$0
$490
$2,087
$7,284
Year 5
$12,898
$5,002
$5,090
$0
$533
$2,274
$9,557
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$74K
25% deposit$21,250
Refurb$51,000
Legal + survey$1,700
Mortgage + broker$2,275
Cash needed$74,478
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