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.
↓ PRICE CUT ×1 −2%
⊞ View all 22
4 BED SINGLE-FAMILY HOMEListed 165d ago
Strong return buy-to-let
307 W Adams St, Darlington, IN 47940 · 1,486 sqft · $138/sqft
Real 11.81% return before costs with manageable risks.
Why it works
Monthly profit +$317/mo from completion — the no.1 reason to invest
11.81% return before costs — above-market
Why to be cautious
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
+$317/mo
Pays you every month, net of costs
Price
$205K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$179K
Deposit + fees + refurb
Return before costson price11.81%5-yr return on cash 11%Rent est. $2,017 ($1,715–$2,372)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,715–$2,372/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $51,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $205,000 asking ($123,000). Raw model: $72,050–$134,770. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $153,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$317
after mortgage, operating costs & tax
Rent in$2,017/mo
$1,939Collected
$1,939/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,023Mortgage$677Costs
$317/mo left as profit · 16% of rent kept
Mortgage$1,023
Costs$677
Management$202
Maintenance$67
Insurance$28
CapEx reserve$101
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$317
Returns
Return before costson price11.81%
Cash returnon cash2.13%
Gross margin$1,262
Cash needed$178,863
Monthly profit payback47y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.07
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
$24,204
$8,125
$12,275
$0
$723
$3,082
$3,082
Year 2
$24,930
$8,368
$12,275
$0
$815
$3,472
$6,554
Year 3
$25,678
$8,619
$12,275
$0
$909
$3,875
$10,428
Year 4
$26,448
$8,878
$12,275
$0
$1,006
$4,290
$14,718
Year 5
$27,242
$9,144
$12,275
$0
$1,106
$4,717
$19,435
Year 5 disposal
Disposal gain (gross)-$113,122
CGT$0
Net Disposal proceeds$220,678
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 · 5992.1 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 16 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
70/100
Solid
Real 11.81% — fundamentals work.
Monthly profit+$317/mo at 25% deposit @ 5.5%
11.81% Return before costs — above-market
Monthly cashflow
+$317/mo
Pays you every month, net of costs
Price
$205K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$179K
Deposit + fees + refurb
Return before costson price11.81%5-yr return on cash 11%Rent est. $2,017 ($1,715–$2,372)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,715–$2,372/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $51,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $205,000 asking ($123,000). Raw model: $72,050–$134,770. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $153,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$317
after mortgage, operating costs & tax
Rent in$2,017/mo
$1,939Collected
$1,939/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,023Mortgage$677Costs
$317/mo left as profit · 16% of rent kept
Mortgage$1,023
Costs$677
Management$202
Maintenance$67
Insurance$28
CapEx reserve$101
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$317
Returns
Return before costson price11.81%
Cash returnon cash2.13%
Gross margin$1,262
Cash needed$178,863
Monthly profit payback47y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.07
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
$24,204
$8,125
$12,275
$0
$723
$3,082
$3,082
Year 2
$24,930
$8,368
$12,275
$0
$815
$3,472
$6,554
Year 3
$25,678
$8,619
$12,275
$0
$909
$3,875
$10,428
Year 4
$26,448
$8,878
$12,275
$0
$1,006
$4,290
$14,718
Year 5
$27,242
$9,144
$12,275
$0
$1,106
$4,717
$19,435
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
$179K
25% deposit$51,250
Refurb$123,000
Legal + survey$1,700
Mortgage + broker$4,075
Cash needed$178,863
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