Sold STC Terraced

204 CROWBOROUGH ROAD

LONDON, GREATER LONDON SW17 9QF

3 beds 1 baths 1,335 sq ft Listed 9 Apr 2024 (-805d)

£900,000

Offers in Excess of

Reduced on 17 Apr 2024

Save

# 3 bedroom terraced house for sale (SW17 9QF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 204 CROWBOROUGH ROAD, LONDON, GREATER LONDON SW17 9QF |
| Price | £900,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | E |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 124 m² |
| Last sold | £905,000 Jun 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 22/08/2028
- **Current heating cost:** £675/year
- **Est. upgrade cost to C:** £25,800

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- F (£200 - £400)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2078-2031-6298-4598-7910)

## Description

A wonderful three bedroom family home with South facing garden

**Description**

An immaculately finished three bedroom house with beautiful proportions and stunning natural lighting throughout. The house has been recently refurbished by the current owners to an exacting standard.

Upon entry you are welcomed into a wide, open hallway with the excellent reception room to the right. The room is flooded with amazing lighting from the grand window and benefits from a stunning fireplace. Adjacent is the dining room which also has a fireplace matching the one in the reception room and allows access to the garden. The rear of the ground floor holds the brand new, stylish kitchen finished to an immaculate standard and access to the part paved, part lawned South facing garden.

To the first floor you will find the principal bedroom that offers stunning lighting and excellent built-in storage as does the second double bedroom. The third bedroom would make a great guest bedroom or a study. A family bathroom with bath and overhead shower and separate W.C.

**Location**

Crowborough Road is ideally nestled behind the hustle and bustle of Tooting and is in excellent proximity to the delights the area has to offer including a great selection of shopping, dining and entertaining facilities.

Transport is excellent with Tooting station 0.7 mile away and Tooting Broadway station offering direct service into the City (1.1 miles). The wonderful grounds of Tooting Common is also within close proximity (0.7 mile). Lastly, the area has an array of both state and private schools to offer.

Square Footage: 1,323 sq ft

## Property Photos

- ![Exterior](/listings/photos/146621960/713764) - Exterior
- ![Reception Room](/listings/photos/146621960/713767) - Reception Room
- ![Kitchen](/listings/photos/146621960/713770) - Kitchen
- ![Dining Room](/listings/photos/146621960/713773) - Dining Room
- ![Principal Bedroom](/listings/photos/146621960/713775) - Principal Bedroom
- ![Second Bedroom](/listings/photos/146621960/713780) - Second Bedroom
- ![Bathroom](/listings/photos/146621960/713786) - Bathroom
- ![Dining Room](/listings/photos/146621960/713791) - Dining Room
- ![Kitchen](/listings/photos/146621960/713794) - Kitchen
- ![Reception Room](/listings/photos/146621960/713799) - Reception Room
- ![Kitchen](/listings/photos/146621960/713801) - Kitchen
- ![Garden](/listings/photos/146621960/713803) - Garden
- ![Kitchen](/listings/photos/146621960/713804) - Kitchen
- ![Thrid Bedroom](/listings/photos/146621960/713805) - Thrid Bedroom
- ![Hallway](/listings/photos/146621960/713809) - Hallway
- ![Exterior](/listings/photos/146621960/713810) - Exterior

## Floorplans

- ![Floorplan](/listings/photos/146621960/713811) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/146621960/713814) - EPC Rating Graph

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #10994385
- **Address:** 204 Crowborough Road, LONDON, SW17 9QF
- **Certificate Issued:** 19/05/2015
- **Work Completed:** 27/04/2015
- **Items:** 5 window(s)

### FENSA Certificate #6973672
- **Address:** 204 Crowborough Road, LONDON, SW17 9QF
- **Certificate Issued:** 16/11/2009
- **Work Completed:** 15/08/2009
- **Items:** 1 window(s)

### FENSA Certificate #12504325
- **Address:** 204 Crowborough Road, LONDON, SW17 9QF
- **Certificate Issued:** 22/08/2017
- **Work Completed:** 22/05/2017
- **Items:** 3 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 204 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF | £905,000 | 20/06/2024 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 57 PARKLANDS ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TB | £1,565,000 | 16/12/2025 | Terraced |
| 115 RECTORY LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PX | £422,500 | 17/07/2025 | Terraced |
| 139 NIMROD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TH | £939,000 | 02/07/2025 | Terraced |
| 98 RECTORY LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PX | £641,001 | 20/06/2025 | Terraced |
| 137 NIMROD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TH | £800,000 | 17/11/2023 | Terraced |
| 27 BIRCHWOOD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BQ | £1,450,000 | 21/08/2023 | Terraced |
| 12 CHILLERTON ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BG | £1,280,000 | 03/07/2023 | Terraced |
| 119 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PW | £470,000 | 10/05/2023 | Terraced |
| 148 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PU | £775,000 | 25/04/2023 | Terraced |
| 9 DALESIDE ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6SN | £887,500 | 16/12/2022 | Terraced |
| 100 MOYSER ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6SH | £1,180,000 | 30/11/2022 | Terraced |
| 59 CHILLERTON ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BE | £1,450,000 | 18/11/2022 | Terraced |
| 58 MASSINGBERD WAY, LONDON, WANDSWORTH, GREATER LONDON, SW17 6AD | £940,000 | 04/11/2022 | Terraced |
| 23 PARKLANDS ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TB | £1,049,000 | 01/11/2022 | Terraced |
| [Same street] 206 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF | £947,000 | 17/10/2022 | Terraced |
| 195 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QE | £850,000 | 07/10/2022 | Terraced |
| 161 WELHAM ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BY | £525,000 | 13/09/2022 | Terraced |
| 3 GORSE RISE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BS | £575,000 | 05/08/2022 | Terraced |
| 157 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PW | £575,000 | 11/07/2022 | Terraced |
| 110 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QG | £940,000 | 01/07/2022 | Terraced |
| 124 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PU | £650,000 | 08/06/2022 | Terraced |
| [Same street] 198 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF | £1,365,000 | 12/05/2022 | Terraced |
| [Same street] 188 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF | £1,235,000 | 30/06/2021 | Terraced |

**Street average:** £1,182,333 (3 sales)
**Area average:** £898,200 (20 sales)

## Price vs local average

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

- **Local average:** £1,006,385 (56 Terraced, SW17, 2024–2026)
- **Deviation:** -10.6%

## Rental Range

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

- **Low:** £2,339/mo
- **Realistic:** £2,599/mo
- **Optimistic:** £2,859/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £947/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Flat, Church Lane, SW17 | £2,900/mo | 3 | 0.15 miles | OpenRent |
| 3 Bed Flat, Parklands Road, SW16 | £2,800/mo | 3 | 0.17 miles | OpenRent |
| 3 Bed Flat, Salterford Road, SW17 | £2,300/mo | 3 | 0.27 miles | OpenRent |
| 3 Bed Terraced House, Totterdown St, SW17 | £2,950/mo | 3 | 0.41 miles | OpenRent |
| 3 Bed Terraced House, Ascot Road, SW17 | £3,250/mo | 3 | 0.49 miles | OpenRent |
| 3 Bed Flat, Glasford Street, SW17 | £3,000/mo | 3 | 0.58 miles | OpenRent |

**Average rent: £2,867/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £365,625
- **Target investor price (1%):** £292,500

*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 £2,925/mo).*

- **Gross yield:** 3.9%
- **Cost-to-rent:** 25.6×
- **Monthly cashflow:** £-937/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.3%

*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).*

## Price per Square Metre

- **£/m²:** £7,258/m²

## Capital growth trend

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

- **5y growth:** 18.7%
- **10y growth:** 8.6%

## House Price Index (HM Land Registry)

*Official index for Wandsworth; Terraced series; as of March 2026.*

- **1y growth (index):** -1.2%
- **5y growth (index):** 8.1%
- **10y growth (index):** 6.8%

## 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)

Exterior Reception Room Kitchen Dining Room Principal Bedroom Second Bedroom Bathroom Dining Room Kitchen Reception Room Kitchen Garden Kitchen Thrid Bedroom Hallway Exterior

/ 16

Property details

Tenure

FREEHOLD

Floor area

124 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£905,000 Jun 2024

Price per m²

£7,258/m²

Local average

£1,006,385 (-10.6%)

Deprivation

Decile 8 (25,437 of 33,755)

Street crime

710 incidents within 1 mile (Apr 2026)

Key features

Excellent location
Bright & spacious throughout
Private south facing garden
Stunning kitchen
Freehold
EPC Rating = D

Additional details

Garden: Yes

Description

A wonderful three bedroom family home with South facing garden

Description

An immaculately finished three bedroom house with beautiful proportions and stunning natural lighting throughout. The house has been recently refurbished by the current owners to an exacting standard.

Upon entry you are welcomed into a wide, open hallway with the excellent reception room to the right. The room is flooded with amazing lighting from the grand window and benefits from a stunning fireplace. Adjacent is the dining room which also has a fireplace matching the one in the reception room and allows access to the garden. The rear of the ground floor holds the brand new, stylish kitchen finished to an immaculate standard and access to the part paved, part lawned South facing garden.

To the first floor you will find the principal bedroom that offers stunning lighting and excellent built-in storage as does the second double bedroom. The third bedroom would make a great guest bedroom or a study. A family bathroom with bath and overhead shower and separate W.C.

Location

Crowborough Road is ideally nestled behind the hustle and bustle of Tooting and is in excellent proximity to the delights the area has to offer including a great selection of shopping, dining and entertaining facilities.

Transport is excellent with Tooting station 0.7 mile away and Tooting Broadway station offering direct service into the City (1.1 miles). The wonderful grounds of Tooting Common is also within close proximity (0.7 mile). Lastly, the area has an array of both state and private schools to offer.

Square Footage: 1,323 sq ft

Listed by

Clapham

Savills

Reference: 146621960

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 23/08/2018

Expiry date: 22/08/2028

Current heating cost: £675/year

Potential heating cost: £446/year

Est. upgrade cost to C: £25,800

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Hot water cylinder thermostat (£200 - £400)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #10994385

Property Details

Street: 204 Crowborough Road

Town: LONDON

Postcode: SW17 9QF

Installation Details

Items: 5 windows

Certificate Issued: 19/05/2015

Work Completed: 27/04/2015

This certificate data was retrieved from FENSA's database

FENSA Certificate #6973672

Property Details

Street: 204 Crowborough Road

Town: LONDON

Postcode: SW17 9QF

Installation Details

Items: 1 window

Certificate Issued: 16/11/2009

Work Completed: 15/08/2009

This certificate data was retrieved from FENSA's database

FENSA Certificate #12504325

Property Details

Street: 204 Crowborough Road

Town: LONDON

Postcode: SW17 9QF

Installation Details

Items: 3 windows

Certificate Issued: 22/08/2017

Work Completed: 22/05/2017

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

Event	Date	Price	% change
Sold	20/06/2024 (2 years ago)	£905,000	—

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
57 PARKLANDS ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TB	£1,565,000	16/12/2025	Terraced
115 RECTORY LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PX	£422,500	17/07/2025	Terraced
139 NIMROD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TH	£939,000	02/07/2025	Terraced
98 RECTORY LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PX	£641,001	20/06/2025	Terraced
137 NIMROD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TH	£800,000	17/11/2023	Terraced
27 BIRCHWOOD ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BQ	£1,450,000	21/08/2023	Terraced
12 CHILLERTON ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BG	£1,280,000	03/07/2023	Terraced
119 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PW	£470,000	10/05/2023	Terraced
148 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PU	£775,000	25/04/2023	Terraced
9 DALESIDE ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6SN	£887,500	16/12/2022	Terraced
100 MOYSER ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6SH	£1,180,000	30/11/2022	Terraced
59 CHILLERTON ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BE	£1,450,000	18/11/2022	Terraced
58 MASSINGBERD WAY, LONDON, WANDSWORTH, GREATER LONDON, SW17 6AD	£940,000	04/11/2022	Terraced
23 PARKLANDS ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW16 6TB	£1,049,000	01/11/2022	Terraced
Same street 206 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF	£947,000	17/10/2022	Terraced
195 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QE	£850,000	07/10/2022	Terraced
161 WELHAM ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BY	£525,000	13/09/2022	Terraced
3 GORSE RISE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9BS	£575,000	05/08/2022	Terraced
157 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PW	£575,000	11/07/2022	Terraced
110 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QG	£940,000	01/07/2022	Terraced
124 CHURCH LANE, LONDON, WANDSWORTH, GREATER LONDON, SW17 9PU	£650,000	08/06/2022	Terraced
Same street 198 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF	£1,365,000	12/05/2022	Terraced
Same street 188 CROWBOROUGH ROAD, LONDON, WANDSWORTH, GREATER LONDON, SW17 9QF	£1,235,000	30/06/2021	Terraced

Street average: £1,182,333 (3 sales)

Area average: £898,200 (20 sales)

Capital growth trend

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

5y growth 18.7%

10y growth 8.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Wandsworth. Series: Terraced. As of March 2026.

1y (index) -1.2%

5y (index) 8.1%

10y (index) 6.8%

Rental Range

Estimated market rent for Wandsworth. Low = conservative, Realistic = average, Optimistic = best case.

Low £2,339/mo

Realistic £2,599/mo

Optimistic £2,859/mo

Based on Local Authority from postcode lookup → Wandsworth.

LHA (30th percentile) floor for Huntingdon: £947/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SW17 9QF

Nearby

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

Type	Name	Distance
Bus stop	Hail & Ride Moring Road	0.1 miles
Bus stop	Hail & Ride Church Lane	0.1 miles
Shop	Budgens	0.2 miles
Shop	Premier	0.4 miles
Train station	Tooting	0.6 miles
Train station	Tooting Broadway	0.7 miles
University	Horton Halls Reception	1.3 miles
Hospital	Chapel Orchard Day Surgery	1.9 miles
Hospital	British Home & Hospital for Incurables	1.9 miles
University	University of Wales Trinity Saint David London Campus	4.1 miles

Street-level crime

Category	Count
Violence and sexual offences	211
Anti-social behaviour	154
Other theft	54
Shoplifting	54
Vehicle crime	48
Public order	38
Criminal damage and arson	34
Theft from the person	30
Burglary	25
Drugs	25
Robbery	20
Bicycle theft	7
Other crime	7
Possession of weapons	3
Total incidents	710

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
Graveney School	Secondary	0.2 miles	Outstanding — 1 Mar 2023
Furzedown Primary School	Primary	0.3 miles	Good — 29 Jun 2013
Penwortham Primary School	Primary	0.4 miles	Outstanding — 9 Sep 2024
Franciscan Primary School	Primary	0.4 miles	Good — 24 Apr 2024
Hillbrook School	Primary	0.4 miles	Good — 17 Jul 2024

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
3 Bed Flat, Church Lane, SW17	£2,900/mo	3	0.15 miles	OpenRent
3 Bed Flat, Parklands Road, SW16	£2,800/mo	3	0.17 miles	OpenRent
3 Bed Flat, Salterford Road, SW17	£2,300/mo	3	0.27 miles	OpenRent
3 Bed Terraced House, Totterdown St, SW17	£2,950/mo	3	0.41 miles	OpenRent
3 Bed Terraced House, Ascot Road, SW17	£3,250/mo	3	0.49 miles	OpenRent
3 Bed Flat, Glasford Street, SW17	£3,000/mo	3	0.58 miles	OpenRent

Average rent: £2,867/mo (6 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.33%

Max investor price (0.8%) £365,625

Target investor price (1%) £292,500

Gross yield 3.9%

Cost-to-rent ratio 25.6×

Monthly cashflow £-937/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.3%

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).