Sample property — illustrative only
Get startedAt a glance
- Asking price
- £195,000
- Estimated monthly rent
- £720/mo
- Maximum offer (MAO)
- £165,000
- Last registered sale
- £240,000 Sold 18 Mar 2021
- True market value (TMV)
- £185,000
- House type
- Flat
- Bedrooms
- 2
- Internal area
- 620 sq ft
- Status
- Rejected
- Postcode
- CB4 2BB
- Equity
- £-45,000
- Equity %
- -23.08%
- Tenure
- Leasehold
- Lease years remaining
- 95
- Flood risk
- low
- EPC rating
- B
AI assessment
Cat 4 Heavy Cosmetic Refurbishment
Property summary
This two-bedroom flat in CB4 is listed at £195,000 — below its 2021 sale price of £240,000. It is already lightly refurbished (condition category 4), which limits value-add upside for flip-style strategies. Buy-to-let is rejected because estimated return is 3.2%, below a typical investor minimum; flip is also rejected on the numbers saved for this listing. Environmental screening shows no subsidence flags and EPC B.
Why this deal was archived
Buy-to-let: Return on investment is below your minimum buy-to-let threshold.
Under your buy-to-let rules at the maximum allowable offer, this listing did not meet a minimum return threshold.
Buy-to-let: Return on investment is below your minimum buy-to-let threshold.
Your configured gate: 6.00%.
What would need to change
- Review whether the asking price, rent estimate, or your minimum ROI / yield / cashflow settings are the binding constraint — the supporting numbers below show which line failed.
Supporting numbers
Ordered from the biggest driver of this outcome to supporting context (your account settings, then listing maths, then comparables).
- True market value (TMV)
- £185,000
- Estimated rent (per month)
- £720
- Minimum ROI required
- 6.00%
- TMV range
- £175,000 – £200,000
- Verified sold comps used
- 3
- ROI
- 3.20%
Location map
Deal maths & valuation
Strategy status and comparables below. The figures that drove the archive decision are shown above.
Compare scenarios (optional)
| Metric | Buy-to-Let | Flip |
|---|---|---|
| True market value (TMV) | £185,000 | — |
| Purchase Legals | £2,000 | — |
| Listing asking price | £195,000 | — |
| Estimated rent (per month) | £720 | — |
| Minimum ROI required | 6.00% | — |
| Stamp duty | £0 | — |
| Last sold price vs MAO | £240,000 vs £165,000 | £240,000 vs £150,000 |
| Last sold above MAO by | £75,000 | £90,000 |
| Maximum allowable offer (MAO) | £165,000 | £150,000 |
| Refurb Cost | 3500 | — |
| Mortgage Deposit | £48,750 | — |
| Annual Mortgage Interest | £5,400 | — |
| ROI | 3.20% | — |
Strategy results
-
Buy-to-Let Primary Rejected
-
Flip Rejected
- Maximum allowable offer (MAO)
- £150,000
- Last sold price vs MAO
- £240,000 vs £150,000
- Last sold above MAO by
- £90,000
Sold comparables (3)
-
£188,0002025-10-05
-
£192,0002025-08-12
-
£185,0002025-06-18
Long-let rent comparables (3)
-
£953 pcm
-
£975 pcm
-
£945 pcm
Calculated numbers (4)
- Maximum allowable offer (MAO)
- £150,000
- Purchase price in profit maths
- £195,000
- Comparable ROI (annual) (Buy-to-Let)
- 3.20%
- Estimated rent (pcm)
- £720
Maximum allowable offer (MAO) for Flip is worked backward from your strategy gates: we find the highest purchase price that still passes the required checks, capped at the listing asking price when needed.
Listing asking price: £195,000.
Backward-solved MAO: £150,000.
We ran the profit numbers at the listing price of £195,000.
ROI = (profit or cashflow ÷ total cash in the deal) × 100.
Calculated ROI for this run: 3.20%.
Comparable ROI (annual) for hold/rent strategies is already an annual figure.
Estimated rent is the monthly rent figure used in buy-to-let maths for this run.
Monthly rent: £720 (£8,640 per year).