Rented normally, it costs you £24 a month. That is £284 a year, every year you hold it.

What could kill thisThe checks

Cash buyers only — there is no mortgage on this one

The listing says no mortgage, and every figure on this page is worked with one.

2 problems found · 5 we could not check · 2 do not apply to this property

■ from the listinglisting last seen 18 Sep 2026

Will it pay?Calculator

You top up £24 a month — the mortgage takes 45p of every pound of rent

Borrowing £4,374 less would close that shortfall — which is £4,374 more cash at the start, on top of the deposit.

+£956−£427−£553−£24

Rent inMortgageRunning costsShort by

The rent covers £956 of that — you cover £24

□ service charge not published2 empty weeks a year assumed

What if I change my assumptions?The dials

At the asking price, 25% deposit, 6.50% charged

Change any of these 16 and every card on this page changes with it. The 6.50% is the 5.75% quoted plus a company premium.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£36,075 + refurb costs

And about £1,421 more over five years, because it loses £24 every month you hold it — before any repair. That already assumes the rent never falls.

~£58,598

deposit · stamp duty · solicitor · feeswe haven’t been inside

£36,075 to buy it

□ works not inspected

What would have to be true?The working

£5,000 off and it stops losing money

At the asking price you feed it £24 a month. At £99,166 the rent covers everything — leaving stamp duty of £4,958 at that price.

offer £99,166

asked £105,000

◧ worked back from the rent■ stamp duty re-bandedrounded down to £5,000 — the rent it works back from is an estimate

Is the price right?The deeds

Last sold for £129,000 in 2019

Nothing nearby is comparable, but asking is 19% less than the £129,000 paid for it in 2019.

□ this address’s own deeds, no comparable saleHM Land Registry Price Paid Data

How big is it, really?The plan

One figure, and nothing checking it 419 sq ft

Only the agent’s figure exists for this house. Open for what that means.

□ area unchecked — agent’s own

Is it a good location?Open the map

Solihull B90, B90 4DS

3 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.

Article 4Not assessed for this address

■ postcode area, not this address

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £379 a month

Let it to the council: £864 a year less, but they keep paying when it is empty.

Short-stay let+£355 · £94,673 in

25 nearby short-lets within 11.1 km · medium confidence

Standard rental−£24 · £94,673 in

Guaranteed council rent−£96 · £94,673 in

Housing-benefit rent−£281 · £94,673 in

Each row: money kept a month, then the cash it ties up. Not compared: Rent by the room (only 1 bedroom) · Do it up, then remortgage (pays back at the remortgage) · Buy, improve & sell (pays out on sale)

◧ 4 ways, one measureranked on money kept each month, at the asking price

What would you walk away with, after 5 years?The five-year sums

−£20,931 after five years on the cash you put in, before tax on the sale

Less than the same cash would have made in a savings account, after tax on the interest. The savings account’s capital is not at risk; the property’s is. A fall of about 44% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £94,673 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£94,673+£157,981−£3,950−£78,750−£1,540−£20,931

Cash you put inSale valueSelling costsMortgageRent lossesYou are down

◧ 2.0%/yr growth assumed