Likely sold or withdrawnWe last saw this listing 16 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 →
Monthly cashflow
−$583/mo
You top up $583/mo
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$154K
Deposit + fees + refurb
5-yr return on cash -21%Rent est. $1,406 ($1,196–$1,653)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,196–$1,653/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $59,210–$111,060 range from $/sqft + per-room model
Legal + survey ($)
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
-$583
after mortgage, operating costs & tax
Rent in$1,406/mo
$1,352Collected
$1,352/mo actually reaches you — the other $54 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$742Costs
Outgoings exceed rent — you top up $583/mo
Mortgage$1,247
Costs$742
Management$141
Maintenance$67
Insurance$28
CapEx reserve$70
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$583
Returns
Return before costson price6.75%
Cash returnon cash-4.55%
Gross margin$610
Cash needed$153,633
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.57
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
$16,872
$8,903
$14,963
$0
$0
-$6,994
-$6,994
Year 2
$17,378
$9,170
$14,963
$0
$0
-$6,755
-$13,750
Year 3
$17,900
$9,445
$14,963
$0
$0
-$6,509
-$20,259
Year 4
$18,436
$9,729
$14,963
$0
$0
-$6,256
-$26,514
Year 5
$18,990
$10,021
$14,963
$0
$0
-$5,994
-$32,509
Year 5 disposal
Disposal gain (gross)-$72,721
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6216.8 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 16 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
0/100
Marginal
No rent data — verify locally before offering.
6.75% Return before costs — around the area average for this property type.
Monthly profit −$583/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$583/mo
You top up $583/mo
Price
$250K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$154K
Deposit + fees + refurb
5-yr return on cash -21%Rent est. $1,406 ($1,196–$1,653)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,196–$1,653/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $59,210–$111,060 range from $/sqft + per-room model
Legal + survey ($)
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
-$583
after mortgage, operating costs & tax
Rent in$1,406/mo
$1,352Collected
$1,352/mo actually reaches you — the other $54 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,247Mortgage$742Costs
Outgoings exceed rent — you top up $583/mo
Mortgage$1,247
Costs$742
Management$141
Maintenance$67
Insurance$28
CapEx reserve$70
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$583
Returns
Return before costson price6.75%
Cash returnon cash-4.55%
Gross margin$610
Cash needed$153,633
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.57
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
$16,872
$8,903
$14,963
$0
$0
-$6,994
-$6,994
Year 2
$17,378
$9,170
$14,963
$0
$0
-$6,755
-$13,750
Year 3
$17,900
$9,445
$14,963
$0
$0
-$6,509
-$20,259
Year 4
$18,436
$9,729
$14,963
$0
$0
-$6,256
-$26,514
Year 5
$18,990
$10,021
$14,963
$0
$0
-$5,994
-$32,509
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
$154K
25% deposit$62,475
Refurb$85,135
Legal + survey$1,700
Mortgage + broker$4,749
Cash needed$153,633
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