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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 27% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Total Estimated Refurb | £11,400 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Building Contractor in Coventry, Building Contractor in ... | 07718 001059 | — |
| decorator | Coventry Decorators – Call us if If you are looking for painters and ... | 07516 790 046 | — |
| photographer | Kamera Studios | 024 7667 3061 | — |
Property Details
- Asking Price
- £175,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £12,775 | £180,250 | £8,753 | £2,190 | £7,440 | 12.9% |
| Yr 3 | £13,422 | £191,227 | £9,219 | £7,267 | £23,494 | 40.8% |
| Yr 5 | £14,101 | £202,873 | £9,708 | £13,310 | £41,183 | 71.5% |
| Yr 10 | £15,954 | £235,185 | £11,042 | £32,974 | £93,159 | 161.7% |
| Yr 15 | £18,051 | £272,644 | £12,552 | £59,825 | £157,470 | 273.4% |
| Yr 20 | £20,423 | £316,069 | £14,259 | £94,810 | £235,879 | 409.5% |
| Yr 25 | £23,106 | £366,411 | £16,192 | £138,996 | £330,407 | 573.6% |
| Yr 30 | £26,143 | £424,771 | £18,378 | £193,592 | £443,363 | 769.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 6.2% | 3.8% | £-160 | -8.9% |
| Conservative | £990 | 6.8% | 4.5% | £55 | 1.7% |
| Base | £1,065 | 7.3% | 5.0% | £183 | 6.3% |
| Optimistic | £1,150 | 7.9% | 5.6% | £322 | 11.5% |
| Bull | £1,257 | 8.6% | 6.3% | £481 | 18.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.3% |
| Net Yield | ●5.0% |
| Net Annual Income | £8,757 |
| Deductions: void 8% (−£1,022) · mgmt 10% (−£1,278) · maint 10% (−£1,278) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £546 |
| Monthly Cashflow (IO) | ●£184 |
| Cash-on-Cash Return | ●3.81% |
| 5-Year IRR | ●6.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,750 |
| SDLT Effective Rate | 5.57% |
| SDLT (Company) | £9,750 |
| Section 24 Extra Tax/yr (higher rate) | £1,313 |
| SPV Annual Saving | £2,228 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £202,873 |
| Less: Purchase Price | −£175,000 |
| Less: Buying Costs (SDLT + legal) | −£12,350 |
| Less: Selling Costs (est. 2.5%) | −£5,072 |
| = CGT Net Gain (5yr) | £10,451 |
| CGT at 24% | £1,788 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 6.2% | 3.8% | £-160 | -8.9% |
| Conservative | £990 | 6.8% | 4.5% | £55 | 1.7% |
| Base | £1,065 | 7.3% | 5.0% | £183 | 6.3% |
| Optimistic | £1,150 | 7.9% | 5.6% | £322 | 11.5% |
| Bull | £1,257 | 8.6% | 6.3% | £481 | 18.0% |
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