Sold STC Semi-detached

33 LANSDOWNE AVENUE

GRIMSBY, NORTH EAST LINCOLNSHIRE DN32 0BY

3 beds 1 baths 1,227 sq ft Listed 31 May 2023 (-1102d)

£230,000

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# 3 bedroom semi-detached house for sale (DN32 0BY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 33 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE DN32 0BY |
| Price | £230,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | D |
| Construction age | England and Wales: 1930-1949 |
| Floor area | 114 m² |
| Last sold | £210,000 Nov 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Current heating cost:** £842/year
- **Est. upgrade cost to C:** £11,793

### Recommendations
- A (£100 - £350)
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- C (£15 - £30)
- E (£45)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/7406-8107-2002-0025-1402)

## Description

This is a stunning semi-detached house oozing original style and character of the "arts and crafts" period. Located in this highly sought-after position it offers particularly generous accommodation.

In need of sympathetic modernisation it briefly comprises entrance porch, reception hall, cloakroom (w.c. and wash hand basin), living room, sitting room, breakfast room, kitchen.

On the first floor are three good sized bedrooms along with a bathroom and separate cloakroom (w.c.).

It stands in wonderful gardens which have particularly generous Southerly facing rear garden. There is also a driveway and a garage.

AN EARLY VIEWING IS ESSENTIAL - A PROPERTY NOT TO BE MISSED.

## Property Photos

- ![External](/listings/photos/135504761/258726) - External
- ![Front Reception Room](/listings/photos/135504761/258727) - Front Reception Room
- ![Hall](/listings/photos/135504761/258728) - Hall
- ![Cloakroom](/listings/photos/135504761/258729) - Cloakroom
- ![Rear Reception Room](/listings/photos/135504761/258730) - Rear Reception Room
- ![Breakfast Room](/listings/photos/135504761/258731) - Breakfast Room
- ![Kitchen](/listings/photos/135504761/258732) - Kitchen
- ![Kitchen (2)](/listings/photos/135504761/258733) - Kitchen (2)
- ![Bedroom 1](/listings/photos/135504761/258734) - Bedroom 1
- ![Bedroom 2](/listings/photos/135504761/258735) - Bedroom 2
- ![Bedroom 3](/listings/photos/135504761/258736) - Bedroom 3
- ![Separate W.C.](/listings/photos/135504761/258737) - Separate W.C.
- ![Bathroom](/listings/photos/135504761/258738) - Bathroom
- ![Garden](/listings/photos/135504761/258739) - Garden
- ![Garden (2)](/listings/photos/135504761/258740) - Garden (2)
- ![Outlook](/listings/photos/135504761/258741) - Outlook
- ![Car Port](/listings/photos/135504761/258742) - Car Port

## Floorplans

- ![Floorplan](/listings/photos/135504761/258743) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/135504761/258744) - EPC Rating Graph

## FENSA Certificates

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

### FENSA Certificate #5653489
- **Address:** 33 Lansdowne Avenue, GRIMSBY, DN32 0BY
- **Certificate Issued:** 12/05/2008
- **Work Completed:** 15/04/2008
- **Items:** 1 window(s)

### FENSA Certificate #2904648
- **Address:** 33 Lansdowne Avenue, GRIMSBY, DN32 0BY
- **Certificate Issued:** 01/08/2005
- **Work Completed:** 24/06/2005
- **Items:** 2 window(s)

### FENSA Certificate #2897822
- **Address:** 33 Lansdowne Avenue, GRIMSBY, DN32 0BY
- **Certificate Issued:** 01/08/2005
- **Work Completed:** 24/06/2005
- **Items:** 2 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BY | £210,000 | 03/11/2023 | 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 |
|---------|-------|------|------|
| 64 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BZ | £260,000 | 09/01/2026 | Semi-detached |
| 53 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG | £279,950 | 26/11/2025 | Semi-detached |
| 84 WELHOLME AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BP | £220,000 | 01/07/2025 | Semi-detached |
| 22 EASTWOOD AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN34 5BE | £200,000 | 10/11/2023 | Semi-detached |
| 34 CUMBERLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BT | £285,000 | 16/10/2023 | Semi-detached |
| 102 WELHOLME AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BP | £160,000 | 01/09/2023 | Semi-detached |
| 18 PORTLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0AA | £180,000 | 04/05/2023 | Semi-detached |
| [Same street] 27 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BY | £276,000 | 28/04/2023 | Semi-detached |
| 27 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0QA | £420,000 | 17/03/2023 | Semi-detached |
| 57 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG | £242,000 | 03/01/2023 | Semi-detached |
| 2 DEVONSHIRE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BW | £330,000 | 14/11/2022 | Semi-detached |
| 34 CONNAUGHT AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BS | £300,000 | 31/08/2022 | Semi-detached |
| 22 CUMBERLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BT | £330,000 | 19/08/2022 | Semi-detached |
| 17 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG | £263,000 | 01/06/2022 | Semi-detached |
| 15 ROOKERY AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AQ | £195,000 | 25/05/2022 | Semi-detached |
| 38 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0PR | £295,000 | 13/05/2022 | Semi-detached |
| 41 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG | £260,000 | 29/04/2022 | Semi-detached |
| 17 HOMEFIELD AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AF | £144,000 | 15/12/2021 | Semi-detached |
| 12 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0PP | £315,000 | 14/12/2021 | Semi-detached |
| 10 PORTLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0AA | £265,000 | 13/12/2021 | Semi-detached |
| 13 SCARTHO ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AB | £210,000 | 30/11/2021 | Semi-detached |
| [Same street] 12 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BY | £170,000 | 28/09/2021 | Semi-detached |

**Street average:** £223,000 (2 sales)
**Area average:** £257,698 (20 sales)

## Price vs local average

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

- **Local average:** £178,556 (24 Semi-detached, DN32, 2024–2026)
- **Deviation:** +28.8%

## Rental Range

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

- **Low:** £555/mo
- **Realistic:** £617/mo
- **Optimistic:** £679/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £520/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 Terraced House, Legsby Avenue, DN32 | £850/mo | 3 | 0.39 miles | OpenRent |
| 3 Bed Semi-Detached House, Nhs Bills Included, DN33 | £2,400/mo | 3 | 0.42 miles | OpenRent |
| 3 Bed Terraced House, Farebrother St, DN32 | £775/mo | 3 | 0.52 miles | OpenRent |
| 3 Bed Terraced House, David St, DN32 | £695/mo | 3 | 0.62 miles | OpenRent |
| 3 Bed Terraced House, Welholme Road, DN32 | £800/mo | 3 | 0.62 miles | OpenRent |
| 3 Bed Terraced House, Heneage Road, DN32 | £695/mo | 3 | 0.7 miles | OpenRent |
| 3 Bed Semi-Detached House, Redbourne Road, DN33 | £685/mo | 3 | 0.73 miles | OpenRent |
| 3 Bed Terraced House, Hare St, DN32 | £725/mo | 3 | 0.76 miles | OpenRent |

**Average rent: £953/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 3.9%
- **Cost-to-rent:** 25.6×
- **Monthly cashflow:** £-256/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.6%

*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:** £2,018/m²

## Capital growth trend

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

- **5y growth:** 4.9%
- **10y growth:** 14%

## House Price Index (HM Land Registry)

*Official index for North East Lincolnshire; Semi-detached series; as of March 2026.*

- **1y growth (index):** 0.5%
- **5y growth (index):** 16.9%
- **10y growth (index):** 43.7%

## 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)

External Front Reception Room Hall Cloakroom Rear Reception Room Breakfast Room Kitchen Kitchen (2) Bedroom 1 Bedroom 2 Bedroom 3 Separate W.C. Bathroom Garden Garden (2) Outlook Car Port

/ 17

Property details

Tenure

FREEHOLD

Floor area

114 m²

Council tax band

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£210,000 Nov 2023

Price per m²

£2,018/m²

Local average

£178,556 (+28.8%)

Deprivation

Decile 8 (25,958 of 33,755)

Street crime

364 incidents within 1 mile (Mar 2026)

Key features

VIDEO VIEWING AVAILABLE
Stunning Semi-Detached House Oozing Original Character
Built In The "Arts & Crafts" Style
Located In Highly Sought-After Position
In Need Of Sympathetic Modernisation
Spacious Accommodation
Living Room, Sitting Room & Breakfast Room
Kitchen
3 Bedrooms
Cloakroom, Bathroom & Separate W.C.

Additional details

Parking: Yes
Garden: Yes

Description

This is a stunning semi-detached house oozing original style and character of the "arts and crafts" period. Located in this highly sought-after position it offers particularly generous accommodation.
In need of sympathetic modernisation it briefly comprises entrance porch, reception hall, cloakroom (w.c. and wash hand basin), living room, sitting room, breakfast room, kitchen.
On the first floor are three good sized bedrooms along with a bathroom and separate cloakroom (w.c.).
It stands in wonderful gardens which have particularly generous Southerly facing rear garden. There is also a driveway and a garage.
AN EARLY VIEWING IS ESSENTIAL - A PROPERTY NOT TO BE MISSED.

Listed by

Grimsby

JACKSON, GREEN AND PRESTON ESTATE AGENTS AND PROPERTY MANAGEMENT LIMITED

Reference: 135504761

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 24/05/2023

Current heating cost: £842/year

Potential heating cost: £648/year

Est. upgrade cost to C: £11,793

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Increase hot water cylinder insulation (£15 - £30)
Low energy lighting for all fixed outlets (£45)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

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 #5653489

Property Details

Street: 33 Lansdowne Avenue

Town: GRIMSBY

Postcode: DN32 0BY

Installation Details

Items: 1 window

Certificate Issued: 12/05/2008

Work Completed: 15/04/2008

This certificate data was retrieved from FENSA's database

FENSA Certificate #2904648

Property Details

Street: 33 Lansdowne Avenue

Town: GRIMSBY

Postcode: DN32 0BY

Installation Details

Items: 2 windows

Certificate Issued: 01/08/2005

Work Completed: 24/06/2005

This certificate data was retrieved from FENSA's database

FENSA Certificate #2897822

Property Details

Street: 33 Lansdowne Avenue

Town: GRIMSBY

Postcode: DN32 0BY

Installation Details

Items: 2 windows

Certificate Issued: 01/08/2005

Work Completed: 24/06/2005

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	03/11/2023 (2 years ago)	£210,000	—

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
64 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BZ	£260,000	09/01/2026	Semi-detached
53 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG	£279,950	26/11/2025	Semi-detached
84 WELHOLME AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BP	£220,000	01/07/2025	Semi-detached
22 EASTWOOD AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN34 5BE	£200,000	10/11/2023	Semi-detached
34 CUMBERLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BT	£285,000	16/10/2023	Semi-detached
102 WELHOLME AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BP	£160,000	01/09/2023	Semi-detached
18 PORTLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0AA	£180,000	04/05/2023	Semi-detached
Same street 27 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BY	£276,000	28/04/2023	Semi-detached
27 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0QA	£420,000	17/03/2023	Semi-detached
57 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG	£242,000	03/01/2023	Semi-detached
2 DEVONSHIRE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BW	£330,000	14/11/2022	Semi-detached
34 CONNAUGHT AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BS	£300,000	31/08/2022	Semi-detached
22 CUMBERLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BT	£330,000	19/08/2022	Semi-detached
17 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG	£263,000	01/06/2022	Semi-detached
15 ROOKERY AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AQ	£195,000	25/05/2022	Semi-detached
38 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0PR	£295,000	13/05/2022	Semi-detached
41 PARK AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0DG	£260,000	29/04/2022	Semi-detached
17 HOMEFIELD AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AF	£144,000	15/12/2021	Semi-detached
12 WEELSBY ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0PP	£315,000	14/12/2021	Semi-detached
10 PORTLAND AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0AA	£265,000	13/12/2021	Semi-detached
13 SCARTHO ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN33 2AB	£210,000	30/11/2021	Semi-detached
Same street 12 LANSDOWNE AVENUE, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 0BY	£170,000	28/09/2021	Semi-detached

Street average: £223,000 (2 sales)

Area average: £257,698 (20 sales)

Capital growth trend

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

5y growth 4.9%

10y growth 14%

House Price Index (HM Land Registry — official index, not sold-price averages): North East Lincolnshire. Series: Semi-detached. As of March 2026.

1y (index) 0.5%

5y (index) 16.9%

10y (index) 43.7%

Rental Range

Estimated market rent for North East Lincolnshire. Low = conservative, Realistic = average, Optimistic = best case.

Low £555/mo

Realistic £617/mo

Optimistic £679/mo

Based on Local Authority from postcode lookup → North East Lincolnshire.

LHA (30th percentile) floor for Grimsby: £520/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DN32 0BY

Nearby

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

Type	Name	Distance
Bus stop	Connaught Avenue	0.2 miles
University	University Centre (University of Hull)	0.3 miles
Shop	Londis	0.3 miles
University	University Centre Grimsby	0.3 miles
Shop	Premier	0.3 miles
Hospital	Harrison House	0.5 miles
Hospital	Diana Princess of Wales Hospital	0.5 miles
Train station	Grimsby Town	0.9 miles
Train station	Grimsby Docks	1.7 miles

Street-level crime

Category	Count
Violence and sexual offences	166
Criminal damage and arson	41
Shoplifting	36
Anti-social behaviour	31
Public order	23
Other theft	16
Burglary	15
Drugs	11
Vehicle crime	9
Bicycle theft	6
Other crime	5
Robbery	4
Theft from the person	1
Total incidents	364

Within 1 mile during Mar 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
Lisle Marsden Church of England Primary Academy	Primary	0.2 miles	Good — 9 Sep 2014
The Tuition Centre	Other	0.2 miles	— (No rating)
St Martin's Preparatory School	Other	0.3 miles	— (No rating)
Oasis Academy Wintringham	Secondary	0.3 miles	Good — 9 Feb 2018
TEC Partnership	Other	0.4 miles	— (No rating)

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 Terraced House, Legsby Avenue, DN32	£850/mo	3	0.39 miles	OpenRent
3 Bed Semi-Detached House, Nhs Bills Included, DN33	£2,400/mo	3	0.42 miles	OpenRent
3 Bed Terraced House, Farebrother St, DN32	£775/mo	3	0.52 miles	OpenRent
3 Bed Terraced House, David St, DN32	£695/mo	3	0.62 miles	OpenRent
3 Bed Terraced House, Welholme Road, DN32	£800/mo	3	0.62 miles	OpenRent
3 Bed Terraced House, Heneage Road, DN32	£695/mo	3	0.7 miles	OpenRent
3 Bed Semi-Detached House, Redbourne Road, DN33	£685/mo	3	0.73 miles	OpenRent
3 Bed Terraced House, Hare St, DN32	£725/mo	3	0.76 miles	OpenRent

Average rent: £953/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.33%

Max investor price (0.8%) £93,750

Target investor price (1%) £75,000

Gross yield 3.9%

Cost-to-rent ratio 25.6×

Monthly cashflow £-256/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.6%

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).