Sold Semi-detached

55 FABIAN ROAD

MIDDLESBROUGH, REDCAR AND CLEVELAND TS6 9BL

3 beds 732 sq ft Listed 13 Mar 2013 (-4840d)

£105,000

Reduced on 22 Jun 2013

Save

# 3 bedroom semi-detached house for sale (TS6 9BL)

## Property Details

| Key | Value |
|-----|-------|
| Address | 55 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND TS6 9BL |
| Price | £105,000 |
| Bedrooms | 3 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 68 m² |
| Last sold | £100,000 Dec 2013 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 06/03/2023 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £485/year
- **Est. upgrade cost to C:** £20,250

### Recommendations
- W (£800  -  £1,200)
- N (£4,000  -  £6,000)
- U (£9,000  -  £14,000)
- V (£1,500  -  £4,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0938-7071-7227-0357-9994)

## Description

A truly stunning three bedroom semi detached house having been comprehensively modernised by the current owner & presented to the market in show home condition. Without doubt one of the smartest properties currently for sale in TS6, features include a generous westerly facing rear garden, uPVC double glazing, central heating with combi boiler, fabulous modern fitted kitchen with appliances & modern bathroom. Comprising entrance hall, lounge, open plan dining kitchen, three bedrooms & bathroom w/c. An early viewing is considered essential to avoid disappointment. Location: Pleasantly positioned set back from Fabian Road facing communal green approached from either Normanby Road or Church Lane. Side acess via Shelley Cres  Energy Rating: C

## Property Photos

- ![kitchen](/listings/photos/37989244/180099) - kitchen
- ![lounge](/listings/photos/37989244/180105) - lounge
- ![kitchen](/listings/photos/37989244/180107) - kitchen
- ![Photo 11](/listings/photos/37989244/180109) - Photo 11
- ![Photo 8](/listings/photos/37989244/180110) - Photo 8
- ![Photo 7](/listings/photos/37989244/180111) - Photo 7
- ![Photo 9](/listings/photos/37989244/180112) - Photo 9
- ![Photo 10](/listings/photos/37989244/180113) - Photo 10

## Floorplans

- ![Floorplan 1](/listings/photos/37989244/180114) - Floorplan 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #11159483
- **Address:** 55 Fabian Road, MIDDLESBROUGH, TS6 9BL
- **Certificate Issued:** 17/08/2015
- **Work Completed:** 06/07/2015
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 55 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £100,000 | 06/12/2013 | Semi-detached |
| 55 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £75,000 | 05/05/2010 | 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 |
|---------|-------|------|------|
| [Same street] 3 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £95,000 | 08/09/2025 | Terraced |
| [Same street] 15 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £87,000 | 27/02/2025 | Semi-detached |
| [Same street] 41 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £75,000 | 19/02/2024 | Terraced |
| [Same street] 23 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £75,000 | 21/08/2023 | Semi-detached |
| 3 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AY | £95,000 | 09/06/2023 | Semi-detached |
| [Same street] 31 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £100,000 | 21/04/2023 | Terraced |
| 379 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BJ | £57,500 | 20/09/2022 | Semi-detached |
| 13 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN | £167,500 | 16/09/2022 | Semi-detached |
| 36 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AZ | £73,000 | 26/08/2022 | Semi-detached |
| 52 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AZ | £60,000 | 25/07/2022 | Semi-detached |
| [Same street] 1 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £90,000 | 23/05/2022 | Semi-detached |
| 50 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN | £135,000 | 23/05/2022 | Semi-detached |
| 38 BURNS ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AN | £65,000 | 04/05/2022 | Semi-detached |
| 426 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AQ | £85,000 | 14/04/2022 | Semi-detached |
| 25 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AY | £50,000 | 28/02/2022 | Semi-detached |
| [Same street] 53 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL | £100,000 | 25/02/2022 | Semi-detached |
| 46 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BH | £80,000 | 24/02/2022 | Semi-detached |
| 19 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN | £165,000 | 18/02/2022 | Semi-detached |
| 361 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BJ | £85,000 | 21/12/2021 | Semi-detached |
| 6 SHELLEY CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AL | £120,000 | 16/11/2021 | Semi-detached |
| 40 SHELLEY CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AL | £90,000 | 12/11/2021 | Semi-detached |
| 66 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BD | £40,000 | 10/09/2021 | Semi-detached |
| 13 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN | £160,000 | 10/09/2021 | Semi-detached |
| 24 BONDFIELD ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BA | £85,000 | 03/09/2021 | Semi-detached |
| 28 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BH | £80,000 | 23/08/2021 | Semi-detached |
| 23 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BJ | £61,500 | 13/08/2021 | Semi-detached |
| 5 SYCAMORE CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BW | £150,000 | 06/08/2021 | Semi-detached |

**Street average:** £88,857 (7 sales)
**Area average:** £95,225 (20 sales)

## Price vs local average

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

- **Local average:** £141,923 (62 Semi-detached, TS6, 2024–2026)
- **Deviation:** -26%

## Rental Range

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

- **Low:** £580/mo
- **Realistic:** £644/mo
- **Optimistic:** £708/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £549/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 Semi-Detached House, Sycamore Crescent, TS6 | £750/mo | 3 | 0.3 miles | OpenRent |
| 3 Bed Semi-Detached House, The Avenue, TS6 | £750/mo | 3 | 0.33 miles | OpenRent |
| 3 Bed Detached House, Middlesbrough, TS6 | £900/mo | 3 | 0.4 miles | OpenRent |
| 3 Bed Semi-Detached House, Brecon Gardens, TS6 | £800/mo | 3 | 0.42 miles | OpenRent |
| 3 Bed Detached House, Holyhead Court, TS6 | £925/mo | 3 | 0.47 miles | OpenRent |
| 3 Bed Terraced House, Thorndike Road, TS6 | £695/mo | 3 | 0.53 miles | OpenRent |
| 3 Bed Terraced House, Monmouth Road, TS6 | £695/mo | 3 | 0.6 miles | OpenRent |
| 3 Bed Semi-Detached House, Arundel Road, TS6 | £700/mo | 3 | 0.74 miles | OpenRent |
| 3 Bed End Terrace, Arundel Road, TS6 | £650/mo | 3 | 0.74 miles | OpenRent |
| 3 Bed Semi-Detached House, Shaw Crescent, TS6 | £800/mo | 3 | 0.76 miles | OpenRent |
| 3 Bed Semi-Detached House, Briggs Avenue, TS6 | £700/mo | 3 | 0.77 miles | OpenRent |
| 3 Bed Terraced House, Hampden Street, TS6 | £695/mo | 3 | 1.01 miles | OpenRent |
| 3 Bed Terraced House, Hampden St, TS6 | £737/mo | 3 | 1.03 miles | OpenRent |
| 3 Bed Terraced House, Hampden Street, TS6 | £737/mo | 3 | 1.03 miles | OpenRent |

**Average rent: £752/mo (14 listings)**

## 1% Rule

- **Rent ratio:** 0.7% (weak for cashflow)
- **Max investor price (0.8%):** £92,125
- **Target investor price (1%):** £73,700

*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 £737/mo).*

- **Gross yield:** 8.4%
- **Cost-to-rent:** 11.9×
- **Monthly cashflow:** £225/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.9%

*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:** £1,544/m²

## Capital growth trend

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

- **5y growth:** 20%
- **10y growth:** 16.8%

## House Price Index (HM Land Registry)

*Official index for Redcar and Cleveland; Semi-detached series; as of March 2026.*

- **1y growth (index):** 6.2%
- **5y growth (index):** 23.5%
- **10y growth (index):** 45.7%

## 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)

kitchen lounge kitchen Photo 11 Photo 8 Photo 7 Photo 9 Photo 10

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Property details

Floor area

68 m²

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£100,000 Dec 2013

Price per m²

£1,544/m²

Local average

£141,923 (-26%)

Deprivation

Decile 2 (4,695 of 33,755)

Street crime

497 incidents within 1 mile (Apr 2026)

Additional details

Garden: Yes

Description

Listed by

Middlesbrough

Clarke Munro

Reference: 37989244

EPC Rating & Upgrade Cost

This certificate expired on 06/03/2023. A new EPC may be required before the property can be marketed or let.

Current rating: C

Potential rating: B

Inspection date: 07/03/2013

Expiry date: 06/03/2023 (expired)

Current heating cost: £485/year

Potential heating cost: £441/year

Est. upgrade cost to C: £20,250

Recommendations

Floor insulation (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£9,000 - £14,000)
Wind turbine (£1,500 - £4,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #11159483

Property Details

Street: 55 Fabian Road

Town: MIDDLESBROUGH

Postcode: TS6 9BL

Installation Details

Items: 1 door

Certificate Issued: 17/08/2015

Work Completed: 06/07/2015

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

33% since 2010

Event	Date	Price	% change
Sold	06/12/2013 (12 years ago)	£100,000	+33.3%
Sold	05/05/2010 (16 years ago)	£75,000	—

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
Same street 3 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£95,000	08/09/2025	Terraced
Same street 15 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£87,000	27/02/2025	Semi-detached
Same street 41 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£75,000	19/02/2024	Terraced
Same street 23 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£75,000	21/08/2023	Semi-detached
3 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AY	£95,000	09/06/2023	Semi-detached
Same street 31 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£100,000	21/04/2023	Terraced
379 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BJ	£57,500	20/09/2022	Semi-detached
13 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN	£167,500	16/09/2022	Semi-detached
36 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AZ	£73,000	26/08/2022	Semi-detached
52 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AZ	£60,000	25/07/2022	Semi-detached
Same street 1 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£90,000	23/05/2022	Semi-detached
50 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN	£135,000	23/05/2022	Semi-detached
38 BURNS ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AN	£65,000	04/05/2022	Semi-detached
426 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AQ	£85,000	14/04/2022	Semi-detached
25 WORDSWORTH ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AY	£50,000	28/02/2022	Semi-detached
Same street 53 FABIAN ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BL	£100,000	25/02/2022	Semi-detached
46 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BH	£80,000	24/02/2022	Semi-detached
19 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN	£165,000	18/02/2022	Semi-detached
361 NORMANBY ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BJ	£85,000	21/12/2021	Semi-detached
6 SHELLEY CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AL	£120,000	16/11/2021	Semi-detached
40 SHELLEY CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9AL	£90,000	12/11/2021	Semi-detached
66 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BD	£40,000	10/09/2021	Semi-detached
13 KESWICK ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BN	£160,000	10/09/2021	Semi-detached
24 BONDFIELD ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BA	£85,000	03/09/2021	Semi-detached
28 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BH	£80,000	23/08/2021	Semi-detached
23 SPENCER ROAD, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 9BJ	£61,500	13/08/2021	Semi-detached
5 SYCAMORE CRESCENT, MIDDLESBROUGH, REDCAR AND CLEVELAND, TS6 0BW	£150,000	06/08/2021	Semi-detached

Street average: £88,857 (7 sales)

Area average: £95,225 (20 sales)

Capital growth trend

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

5y growth 20%

10y growth 16.8%

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

1y (index) 6.2%

5y (index) 23.5%

10y (index) 45.7%

Rental Range

Estimated market rent for Redcar and Cleveland. Low = conservative, Realistic = average, Optimistic = best case.

Low £580/mo

Realistic £644/mo

Optimistic £708/mo

Based on Local Authority from postcode lookup → Redcar and Cleveland.

LHA (30th percentile) floor for Teesside: £549/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View TS6 9BL

Nearby

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

Type	Name	Distance
Shop	Unknown	0.1 miles
Bus stop	Unknown	0.5 miles
Bus stop	Low Grange Farm	0.5 miles
Hospital	Flatts Lane Centre	1.4 miles
Train station	South Bank	1.5 miles
Train station	Marton	2.1 miles
Hospital	The James Cook University Hospital	2.4 miles
University	Teesside University	3.1 miles
University	Durham University, Queen's Campus	5.5 miles

Street-level crime

Category	Count
Violence and sexual offences	153
Shoplifting	84
Anti-social behaviour	78
Criminal damage and arson	66
Public order	32
Other theft	21
Burglary	18
Drugs	14
Other crime	10
Robbery	8
Vehicle crime	8
Possession of weapons	4
Bicycle theft	1
Total incidents	497

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
Outwood Alternative Provision Eston	Other	0.2 miles	Good — 12 Jan 2023
Outwood Academy Normanby	Secondary	0.2 miles	Inadequate — 12 Jun 2024
Teesville Academy	Primary	0.2 miles	Good — 23 Oct 2023
Progress Schools - Tees Valley	Other	0.3 miles	Inadequate — 30 Oct 2023
Archway Academy	Other	0.3 miles	Good — 24 Oct 2013

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 Semi-Detached House, Sycamore Crescent, TS6	£750/mo	3	0.3 miles	OpenRent
3 Bed Semi-Detached House, The Avenue, TS6	£750/mo	3	0.33 miles	OpenRent
3 Bed Detached House, Middlesbrough, TS6	£900/mo	3	0.4 miles	OpenRent
3 Bed Semi-Detached House, Brecon Gardens, TS6	£800/mo	3	0.42 miles	OpenRent
3 Bed Detached House, Holyhead Court, TS6	£925/mo	3	0.47 miles	OpenRent
3 Bed Terraced House, Thorndike Road, TS6	£695/mo	3	0.53 miles	OpenRent
3 Bed Terraced House, Monmouth Road, TS6	£695/mo	3	0.6 miles	OpenRent
3 Bed Semi-Detached House, Arundel Road, TS6	£700/mo	3	0.74 miles	OpenRent
3 Bed End Terrace, Arundel Road, TS6	£650/mo	3	0.74 miles	OpenRent
3 Bed Semi-Detached House, Shaw Crescent, TS6	£800/mo	3	0.76 miles	OpenRent
3 Bed Semi-Detached House, Briggs Avenue, TS6	£700/mo	3	0.77 miles	OpenRent
3 Bed Terraced House, Hampden Street, TS6	£695/mo	3	1.01 miles	OpenRent
3 Bed Terraced House, Hampden St, TS6	£737/mo	3	1.03 miles	OpenRent
3 Bed Terraced House, Hampden Street, TS6	£737/mo	3	1.03 miles	OpenRent

Average rent: £752/mo (14 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.7%

Max investor price (0.8%) £92,125

Target investor price (1%) £73,700

Gross yield 8.4%

Cost-to-rent ratio 11.9×

Monthly cashflow £225/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.9%

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).