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.
3 BED TOWNHOUSEListed 65d ago
Strong return buy-to-let
544 S Duke St, Lancaster, PA 17602 · 1,476 sqft · $136/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 →
Price
$200K
Return before costson price
9.73%
est rent $1,622not enough comparablesRange $1,504–$1,749/mo (Q1–Q3)
Cash needed
$177K
deposit + costs
Monthly profit
−$80
net of mgmt + voids
5y Return on your cash
-0.8%
after tax
IRR
—
cash + capital
Rent Range
$1,504–$1,749
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,504–$1,749/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $200,000 asking ($120,000). Raw model: $66,000–$123,670. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $150,000 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
-$80
after mortgage, operating costs & tax
Rent in$1,560/mo
Where it goes
$998$704
Outgoings exceed rent — you top up $80/mo
Mortgage$998
Costs$704
Management$162
Maintenance$67
Insurance$28
CapEx reserve$81
Voids + council tax$5
Tax—
Shortfall−$80
Income
Monthly rent+$1,622
After 2wk voids: $1,560/mo
Outgoings
Mortgage-$998
Operating costs-$704
show breakdown ▾
Management (10% of rent)-$162
CapEx reserve (5% of rent)-$81
Council Tax × voids (2w/yr)-$5
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.73%
Cash returnon cash-0.54%
Gross margin$856
Cash needed$176,500
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
$19,464
$8,448
$11,975
$0
$0
-$960
-$960
Year 2
$20,048
$8,702
$11,975
$0
$0
-$629
-$1,589
Year 3
$20,649
$8,963
$11,975
$0
$0
-$289
-$1,878
Year 4
$21,269
$9,232
$11,975
$0
$12
$50
-$1,828
Year 5
$21,907
$9,509
$11,975
$0
$80
$343
-$1,485
Year 5 disposal
Disposal gain (gross)-$110,404
CGT$0
Net Disposal proceeds$215,296
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 · 5371.7 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 60 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 9.73% — fundamentals work.
9.73% Return before costs — above-market
Price
$200K
Return before costs
9.73%
est rent $1,622/monot enough comparablesRange $1,504–$1,749/mo (Q1–Q3)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,504–$1,749/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $200,000 asking ($120,000). Raw model: $66,000–$123,670. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $150,000 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
-$80
after mortgage, operating costs & tax
Rent in$1,560/mo
Where it goes
$998$704
Outgoings exceed rent — you top up $80/mo
Mortgage$998
Costs$704
Management$162
Maintenance$67
Insurance$28
CapEx reserve$81
Voids + council tax$5
Tax—
Shortfall−$80
Income
Monthly rent+$1,622
After 2wk voids: $1,560/mo
Outgoings
Mortgage-$998
Operating costs-$704
show breakdown ▾
Management (10% of rent)-$162
CapEx reserve (5% of rent)-$81
Council Tax × voids (2w/yr)-$5
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.73%
Cash returnon cash-0.54%
Gross margin$856
Cash needed$176,500
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
$19,464
$8,448
$11,975
$0
$0
-$960
-$960
Year 2
$20,048
$8,702
$11,975
$0
$0
-$629
-$1,589
Year 3
$20,649
$8,963
$11,975
$0
$0
-$289
-$1,878
Year 4
$21,269
$9,232
$11,975
$0
$12
$50
-$1,828
Year 5
$21,907
$9,509
$11,975
$0
$80
$343
-$1,485
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
$177K
25% deposit$50,000
Refurb$120,000
Legal + survey$1,700
Mortgage + broker$4,000
Cash needed$176,500
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