Likely sold or withdrawnWe last saw this listing 53 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
↓ PRICE CUT ×1 −9%
⊞ View all 58
4 BED SINGLE-FAMILY HOMEListed 78d ago
Rent by the room upside on 4-bed
21 Rotterdam Rd E, Southampton, PA 18966 · 2,265 sqft · $283/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
−$1K/mo
You top up $1K/mo
Price
$640K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$331K
Deposit + fees + refurb
Return before costson price6.18%5-yr return on cash -25%Rent est. $3,298 ($2,958–$3,677)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,958–$3,677/mo · n=27
Financing
DepositYour cash in — the rest is the mortgage25% · $159,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $105,015–$195,855 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $479,925 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,461
after mortgage, operating costs & tax
Rent in$3,298/mo
$3,171Collected
$3,171/mo actually reaches you — the other $127 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,193Mortgage$1,566Costs
Outgoings exceed rent — you top up $1,461/mo
Mortgage$3,193
Costs$1,566
Management$330
Maintenance$67
Insurance$40
CapEx reserve$165
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$1,461
Returns
Return before costson price6.18%
Cash returnon cash-5.29%
Gross margin$1,605
Cash needed$331,207
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.56
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
$39,576
$18,793
$38,315
$0
$0
-$17,532
-$17,532
Year 2
$40,763
$19,357
$38,315
$0
$0
-$16,909
-$34,441
Year 3
$41,986
$19,938
$38,315
$0
$0
-$16,267
-$50,708
Year 4
$43,246
$20,536
$38,315
$0
$0
-$15,605
-$66,314
Year 5
$44,543
$21,152
$38,315
$0
$0
-$14,924
-$81,238
Year 5 disposal
Disposal gain (gross)-$117,194
CGT$0
Net Disposal proceeds$688,839
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 · 5278.3 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 53 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
32/100
Marginal
6.18% — verify the rent + comps locally.
6.18% Return before costs — around the area average for this property type.
Monthly profit −$1,461/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$1K/mo
You top up $1K/mo
Price
$640K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$331K
Deposit + fees + refurb
Return before costson price6.18%5-yr return on cash -25%Rent est. $3,298 ($2,958–$3,677)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,958–$3,677/mo · n=27
Financing
DepositYour cash in — the rest is the mortgage25% · $159,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $105,015–$195,855 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $479,925 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,461
after mortgage, operating costs & tax
Rent in$3,298/mo
$3,171Collected
$3,171/mo actually reaches you — the other $127 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,193Mortgage$1,566Costs
Outgoings exceed rent — you top up $1,461/mo
Mortgage$3,193
Costs$1,566
Management$330
Maintenance$67
Insurance$40
CapEx reserve$165
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$1,461
Returns
Return before costson price6.18%
Cash returnon cash-5.29%
Gross margin$1,605
Cash needed$331,207
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.56
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
$39,576
$18,793
$38,315
$0
$0
-$17,532
-$17,532
Year 2
$40,763
$19,357
$38,315
$0
$0
-$16,909
-$34,441
Year 3
$41,986
$19,938
$38,315
$0
$0
-$16,267
-$50,708
Year 4
$43,246
$20,536
$38,315
$0
$0
-$15,605
-$66,314
Year 5
$44,543
$21,152
$38,315
$0
$0
-$14,924
-$81,238
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$331K
25% deposit$159,975
Refurb$150,435
Legal + survey$2,900
Mortgage + broker$10,599
Cash needed$331,207
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice