Sold Not Specified

90 CROMWELL ROAD

BRISTOL, ST ANDREWS, CITY OF BRISTOL BS6 5EZ

199 m² Listed 31 May 2013 (-4768d)

£450,000

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# 6 bedroom property for sale (BS6 5EZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 90 CROMWELL ROAD, BRISTOL, ST ANDREWS, CITY OF BRISTOL BS6 5EZ |
| Price | £450,000 |
| Last sold | £495,000 May 2015 |

## Description

Accommodation comprises entrance hall, impressive bay fronted living room, second reception room, dining room, kitchen and conservatory plus a second shower room on the ground floor. The first floor has four double bedrooms and the family bathroom, and benefits from views over Bristol to the front. The basement level has two further rooms currently used as bedrooms. Externally there is an enclosed rear garden, front garden with steps and sloping path up to the front door.Entrance Hall - 25'2 x 5'10(7.7m x 1.8m )

Lounge - 18'0 x 11'11(5.5m x 3.6m )

Double glazed bay window to front, picture rails, corniced ceiling, fireplace, TV point, radiator.

Reception Two - 13'1 x 12'4(4.0m x 3.8m )

Double glazed window to front, picture rail, corniced ceiling, fireplace, phone point, radiator.

Dining Room - 13'11 x 10'7(4.2m x 3.2m )

Double glazed French doors to conservatory, radiator, open to kitchen.

Conservatory - 9'7 x 10'9(2.9m x 3.3m )

Fully glazed, built in storage, door to garden.

Kitchen - 10'5 x 7'9(3.2m x 2.4m )

Double glazed window to rear, part tiled wall, 1 1/2 bowl inset sink unit with cupboard under. Range of wall units, range of base units with cupboards and drawers, laminate worktops. Plumbed for washing machine and dishwasher, electric cooker point. Tiled floor. Open to dining room.

Ground Floor Shower Room - 9'1 x 5'7(2.8m x 1.7m )

Double glazed window to side, WC, vanity hand basin, boiler, double shower cubicle, part tiled, heated towel holder.

Basement Hallway -

Staircase, doors to bedrooms.

Bedroom Five - 13'2 x 12'0(4.0m x 3.7m )

Double glazed window to front, radiator.

Bedroom Six - 17'3 max x 11'7(5.3m max x 3.5m )

Double glazed window to front, radiator.

First Floor Landing - 16'8 x 6'3(5.1m x 1.9m )

Loft access.

Bedroom One - 17'7 into bay x 12'4(5.4m into bay x 3.8m )

Double glazed bay window to front, radiator.

Bedroom Two - 13'0 x 12'8(4.0m x 3.9m )

Double glazed window to front, radiator.

Bedroom Three - 14'0 x 10'6(4.3m x 3.2m )

Double glazed window to rear, radiator, fireplace.

Bedroom Four - 9'5 x 14'1(2.9m x 4.3m )

Double glazed window to rear, fireplace.

Bathroom - 8'7 x 6'0(2.6m x 1.8m )

Double glazed window to side, panel bath, shower cubicle, pedestal hand basin, WC, part tiled walls.

Front Garden -

Wall, steps and sloped path to front door, trees and shrubs.

Rear Garden -

Wall, lawn, flower beds and borders, side access.

## Property Photos

- ![Living room](/listings/photos/39176605/687950) - Living room
- ![Dining room](/listings/photos/39176605/687951) - Dining room
- ![Bedroom](/listings/photos/39176605/687952) - Bedroom
- ![Garden](/listings/photos/39176605/687953) - Garden
- ![Front](/listings/photos/39176605/687954) - Front
- ![Front](/listings/photos/39176605/687955) - Front
- ![downstairs shower room](/listings/photos/39176605/687956) - downstairs shower room
- ![Bathroom](/listings/photos/39176605/687957) - Bathroom
- ![EPC](/listings/photos/39176605/687959) - EPC

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #4780787
- **Address:** 90 Cromwell Road, St. Andrews, BS6 5EZ
- **Certificate Issued:** 11/06/2007
- **Work Completed:** 31/05/2007
- **Items:** 4 window(s)

### FENSA Certificate #2448121
- **Address:** 90 Cromwell Road, St. Andrews, BS6 5EZ
- **Certificate Issued:** 07/02/2005
- **Work Completed:** 21/07/2004
- **Items:** 1 door(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 90 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £495,000 | 21/05/2015 | Terraced |
| 90 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £425,000 | 20/11/2013 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 WINDSOR ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BW | £4,750 | 28/02/2025 | Other |
| [Same street] 94 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £920,000 | 16/02/2024 | Terraced |
| 119 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EX | £600 | 03/11/2023 | Other |
| 55 BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DQ | £873,500 | 14/07/2023 | Other |
| [Same street] 124 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £666,000 | 18/04/2023 | Semi-detached |
| 21 WINDSOR ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BW | £2,750 | 31/10/2022 | Other |
| 30 GROUND FLOOR MAISONETTE CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HB | £280,000 | 07/10/2022 | Other |
| 30 TOP FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HB | £280,000 | 07/10/2022 | Other |
| [Same street] 106 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £414,000 | 04/10/2022 | Flat |
| [Same street] 106 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £508,000 | 24/08/2022 | Flat |
| MONTPELIER COURT 41 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £230,000 | 15/08/2022 | Other |
| 10 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW | £25,000 | 15/07/2022 | Other |
| MONTPELIER COURT 35 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £220,000 | 28/06/2022 | Other |
| [Same street] 92 FLAT 5 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £197,000 | 24/05/2022 | Flat |
| MONTPELIER COURT 18 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £224,500 | 25/02/2022 | Other |
| [Same street] 126 FLAT 2 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £249,000 | 04/02/2022 | Flat |
| [Same street] 134 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £345,000 | 21/01/2022 | Flat |
| 25 COBOURG ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5HT | £500 | 23/09/2021 | Other |
| 41 BURGHLEY ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BL | £376,000 | 30/07/2021 | Other |
| MONTPELIER COURT 38 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £148,000 | 29/07/2021 | Other |
| 41B BURGHLEY ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BL | £376,000 | 30/06/2021 | Other |

**Street average:** £471,286 (7 sales)
**Area average:** £217,257 (14 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £173,375 (2 Other, BS6, 2024–2026)
- **Deviation:** +159.6%

## Rental Range

*ONS Price Index of Private Rents (Bristol, City of). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,697/mo
- **Realistic:** £1,885/mo
- **Optimistic:** £2,074/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Gloucester (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| Bedsit, Chesterfield Road, BS6 | £725/mo | 1 | 0.16 miles | OpenRent |
| 1 Bed Flat, Sommerville Road, BS7 | £1,100/mo | 1 | 0.37 miles | OpenRent |
| 1 Bed Flat, Caroline House, BS6 | £1,495/mo | 1 | 0.37 miles | OpenRent |
| 1 Bed Flat, Grosvenor Rd, BS2 | £1,095/mo | 1 | 0.37 miles | OpenRent |
| 1 Bed Flat, Sydenham Hill, BS6 | £1,500/mo | 1 | 0.42 miles | OpenRent |

**Average rent: £1,183/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.24% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,100/mo).*

- **Gross yield:** 2.9%
- **Cost-to-rent:** 34.1×
- **Monthly cashflow:** £-807/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -7.4%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -91.6%

## House Price Index (HM Land Registry)

*Official index for City of Bristol; All dwelling types series; as of March 2026.*

- **1y growth (index):** -2.7%
- **5y growth (index):** 12.7%
- **10y growth (index):** 42.7%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

Living room Dining room Bedroom Garden Front Front downstairs shower room Bathroom EPC

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Property details

Floor area

199 m²

Last sold

£495,000 May 2015

Local average

£173,375 (+159.6%)

Deprivation

Decile 9 (27,085 of 33,755)

Street crime

1382 incidents within 1 mile (Apr 2026)

Key features

Six Bedroom House
Planning Permission for Loft Conversion
Conservatory
Two Bathrooms
Enclosed Rear Garden
Popular Location

Additional details

Garden: Yes

Description

Situated in a popular area of St. Andrews this spacious six bedroom family house has planning permission for a loft conversion and also features two bathrooms and a conservatory. What more could a growing family ask for?
Accommodation comprises entrance hall, impressive bay fronted living room, second reception room, dining room, kitchen and conservatory plus a second shower room on the ground floor. The first floor has four double bedrooms and the family bathroom, and benefits from views over Bristol to the front. The basement level has two further rooms currently used as bedrooms. Externally there is an enclosed rear garden, front garden with steps and sloping path up to the front door.Entrance Hall - 25'2 x 5'10(7.7m x 1.8m )

Lounge - 18'0 x 11'11(5.5m x 3.6m )
Double glazed bay window to front, picture rails, corniced ceiling, fireplace, TV point, radiator.
Reception Two - 13'1 x 12'4(4.0m x 3.8m )
Double glazed window to front, picture rail, corniced ceiling, fireplace, phone point, radiator.
Dining Room - 13'11 x 10'7(4.2m x 3.2m )
Double glazed French doors to conservatory, radiator, open to kitchen.
Conservatory - 9'7 x 10'9(2.9m x 3.3m )
Fully glazed, built in storage, door to garden.
Kitchen - 10'5 x 7'9(3.2m x 2.4m )
Double glazed window to rear, part tiled wall, 1 1/2 bowl inset sink unit with cupboard under. Range of wall units, range of base units with cupboards and drawers, laminate worktops. Plumbed for washing machine and dishwasher, electric cooker point. Tiled floor. Open to dining room.
Ground Floor Shower Room - 9'1 x 5'7(2.8m x 1.7m )
Double glazed window to side, WC, vanity hand basin, boiler, double shower cubicle, part tiled, heated towel holder.
Basement Hallway -
Staircase, doors to bedrooms.
Bedroom Five - 13'2 x 12'0(4.0m x 3.7m )
Double glazed window to front, radiator.
Bedroom Six - 17'3 max x 11'7(5.3m max x 3.5m )
Double glazed window to front, radiator.
First Floor Landing - 16'8 x 6'3(5.1m x 1.9m )
Loft access.
Bedroom One - 17'7 into bay x 12'4(5.4m into bay x 3.8m )
Double glazed bay window to front, radiator.
Bedroom Two - 13'0 x 12'8(4.0m x 3.9m )
Double glazed window to front, radiator.
Bedroom Three - 14'0 x 10'6(4.3m x 3.2m )
Double glazed window to rear, radiator, fireplace.
Bedroom Four - 9'5 x 14'1(2.9m x 4.3m )
Double glazed window to rear, fireplace.
Bathroom - 8'7 x 6'0(2.6m x 1.8m )
Double glazed window to side, panel bath, shower cubicle, pedestal hand basin, WC, part tiled walls.
Front Garden -
Wall, steps and sloped path to front door, trees and shrubs.
Rear Garden -
Wall, lawn, flower beds and borders, side access.

Listed by

Bishopston

Andrews Estate Agents

Reference: 39176605

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #4780787

Property Details

Street: 90 Cromwell Road

Town: St. Andrews

Postcode: BS6 5EZ

Installation Details

Items: 4 windows

Certificate Issued: 11/06/2007

Work Completed: 31/05/2007

This certificate data was retrieved from FENSA's database

FENSA Certificate #2448121

Property Details

Street: 90 Cromwell Road

Town: St. Andrews

Postcode: BS6 5EZ

Installation Details

Items: 1 door

Certificate Issued: 07/02/2005

Work Completed: 21/07/2004

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

16% since 2013

Event	Date	Price	% change
Sold	21/05/2015 (11 years ago)	£495,000	+16.5%
Sold	20/11/2013 (12 years ago)	£425,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
23 WINDSOR ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BW	£4,750	28/02/2025	Other
Same street 94 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£920,000	16/02/2024	Terraced
119 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EX	£600	03/11/2023	Other
55 BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DQ	£873,500	14/07/2023	Other
Same street 124 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£666,000	18/04/2023	Semi-detached
21 WINDSOR ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BW	£2,750	31/10/2022	Other
30 GROUND FLOOR MAISONETTE CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HB	£280,000	07/10/2022	Other
30 TOP FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HB	£280,000	07/10/2022	Other
Same street 106 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£414,000	04/10/2022	Flat
Same street 106 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£508,000	24/08/2022	Flat
MONTPELIER COURT 41 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£230,000	15/08/2022	Other
10 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW	£25,000	15/07/2022	Other
MONTPELIER COURT 35 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£220,000	28/06/2022	Other
Same street 92 FLAT 5 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£197,000	24/05/2022	Flat
MONTPELIER COURT 18 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£224,500	25/02/2022	Other
Same street 126 FLAT 2 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£249,000	04/02/2022	Flat
Same street 134 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£345,000	21/01/2022	Flat
25 COBOURG ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5HT	£500	23/09/2021	Other
41 BURGHLEY ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BL	£376,000	30/07/2021	Other
MONTPELIER COURT 38 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£148,000	29/07/2021	Other
41B BURGHLEY ROAD, BRISTOL, CITY OF BRISTOL, BS6 5BL	£376,000	30/06/2021	Other

Street average: £471,286 (7 sales)

Area average: £217,257 (14 sales)

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -91.6%

House Price Index (HM Land Registry — official index, not sold-price averages): City of Bristol. Series: All dwelling types. As of March 2026.

1y (index) -2.7%

5y (index) 12.7%

10y (index) 42.7%

Rental Range

Estimated market rent for Bristol, City of. Low = conservative, Realistic = average, Optimistic = best case.

Low £1,697/mo

Realistic £1,885/mo

Optimistic £2,074/mo

Based on Local Authority from postcode lookup → Bristol, City of.

LHA (30th percentile) floor for Gloucester: Apr 2025 – Mar 2026

Location

Map view View on Google Maps View on OpenStreetMap Street View BS6 5EZ

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Belvoir Road	0.0 miles
Bus stop	Balmoral Road	0.1 miles
Train station	Montpelier	0.1 miles
Shop	Period Fireplaces	0.1 miles
Shop	Collector Cave	0.3 miles
Train station	Redland	0.6 miles
Hospital	South West Regional Laboratories	0.9 miles
University	5 Priory Road, Life Sciences	1.1 miles
University	dBs Institute Bristol Campus	1.2 miles
Hospital	The Chesterfield	1.7 miles

Street-level crime

Category	Count
Violence and sexual offences	377
Anti-social behaviour	224
Shoplifting	184
Public order	122
Other theft	97
Vehicle crime	77
Criminal damage and arson	74
Burglary	64
Robbery	60
Drugs	34
Bicycle theft	27
Other crime	18
Theft from the person	17
Possession of weapons	7
Total incidents	1382

Within 1 mile during Apr 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Bristol Hospital Education Service	Other	0.2 miles	Outstanding — 6 Dec 2013
E-Act Fairlawn Primary School	Primary	0.2 miles	Good — 5 Jun 2018
E-Act Montpelier High School	Secondary	0.3 miles	Inadequate — 16 Jun 2022
E-Act the Dolphin School	Primary	0.3 miles	Requires improvement — 7 Dec 2023
Sefton Park Infant School	Primary	0.4 miles	Good — 27 Apr 2020

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
Bedsit, Chesterfield Road, BS6	£725/mo	1	0.16 miles	OpenRent
1 Bed Flat, Sommerville Road, BS7	£1,100/mo	1	0.37 miles	OpenRent
1 Bed Flat, Caroline House, BS6	£1,495/mo	1	0.37 miles	OpenRent
1 Bed Flat, Grosvenor Rd, BS2	£1,095/mo	1	0.37 miles	OpenRent
1 Bed Flat, Sydenham Hill, BS6	£1,500/mo	1	0.42 miles	OpenRent

Average rent: £1,183/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.24%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 2.9%

Cost-to-rent ratio 34.1×

Monthly cashflow £-807/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -7.4%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).