Sold STC Flat

FLAT 4

92 CROMWELL ROAD, BRISTOL, ST ANDREWS, CITY OF BRISTOL BS6 5EZ

1 beds 377 sq ft Listed 19 Mar 2015 (-4109d)

£140,000

Offers Over

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# 1 bedroom flat for sale (BS6 5EZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 4, 92 CROMWELL ROAD, BRISTOL, ST ANDREWS, CITY OF BRISTOL BS6 5EZ |
| Price | £140,000 |
| Bedrooms | 1 |
| Construction age | England and Wales: 2007-2011 |
| Floor area | 35 m² |
| Last sold | £149,500 Jul 2015 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 31/03/2025 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £159/year

### Recommendations
- E (35)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0198-9002-7204-3845-9914)

## Description

**SUMMARY**

Lovely first floor flat located in a popular location with great amenities and transport links to the City Centre. Internally boasting open plan living, a double bedroom and modern bathroom. Would make an idea first time buy or investment. Call today for further information....

**DESCRIPTION**

Offering to the market this first floor flat located in Montpelier. The accommodation comprises open plan lounge and kitchen, one bedroom and a bathroom.

This property is being sold with no onward chain, call Connells on 01179 664278 for further information.

**Communal Entrance **

Front door, stairs to all floors.

**Entrance Hall**

Front door, intercom entry system, smoke alarm, fuse boxes, laminate flooring, doors to all rooms.

**Open Plan Lounge & Kitchen** 15' 6" x 12' 6" ( 4.72m x 3.81m )

Lounge Area: Three double glazed front windows, radiator, television point, inset ceiling spot lights, laminate flooring.

Kitchen Area: Fitted kitchen with wall and base units, work surfaces, part tiled. stainless steel sink/drainer, oven and gas hob, cookerhood, plumbing for washing machine, central heating boiler.

**Bedroom** 10' 3" x 10' 9" ( 3.12m x 3.28m )

Double glazed rear window, radiator, television point.

**Bathroom**

White bathroom suite comprising bath with shower over, wash hand basin, low level wc, extractor fan, shaver point, part tiled.

1. MONEY LAUNDERING REGULATIONS - Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.

2: These particulars do not constitute part or all of an offer or contract.

3: The measurements indicated are supplied for guidance only and as such must be considered incorrect.

4: Potential buyers are advised to recheck the measurements before committing to any expense.

5: Connells has not tested any apparatus, equipment, fixtures, fittings or services and it is the buyers interests to check the working condition of any appliances.

6: Connells has not sought to verify the legal title of the property and the buyers must obtain verification from their solicitor.

## Property Photos

- ![Photo](/listings/photos/34002348/687947)

## EPC Graphs

- ![EPC 1](/listings/photos/34002348/687948) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 92 FLAT 4 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £149,500 | 10/07/2015 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 96 YORK ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5QQ | £485,000 | 19/12/2025 | Flat |
| 101 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS | £380,000 | 16/12/2025 | Flat |
| MONTPELIER COURT 12 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £265,000 | 08/12/2025 | Flat |
| 24C BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DJ | £200,000 | 31/10/2025 | Flat |
| [Same street] 94 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £920,000 | 16/02/2024 | Terraced |
| 45 BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DQ | £458,000 | 11/12/2023 | Flat |
| 121 FLAT 4 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS | £217,500 | 08/12/2023 | Flat |
| 36B BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DJ | £430,000 | 29/09/2023 | Flat |
| 58 FLAT 3 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW | £233,000 | 26/05/2023 | Flat |
| MONTPELIER COURT 19 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA | £240,000 | 17/05/2023 | Flat |
| [Same street] 124 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £666,000 | 18/04/2023 | Semi-detached |
| 60 FLAT 2 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DP | £391,000 | 21/12/2022 | Flat |
| 125 GARDEN FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EX | £285,500 | 09/12/2022 | Flat |
| 61 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HA | £335,000 | 11/11/2022 | Flat |
| MONTPELIER VIEW HOUSE, 122 FLAT 6 YORK ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5QQ | £380,000 | 14/10/2022 | Flat |
| 58 FLAT 1 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW | £385,531 | 14/10/2022 | Flat |
| [Same street] 106 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £414,000 | 04/10/2022 | Flat |
| 69 UPPER CHELTENHAM PLACE, BRISTOL, CITY OF BRISTOL, BS6 5HS | £310,000 | 21/09/2022 | Flat |
| 95 SECOND FLOOR FLAT CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS | £242,500 | 16/09/2022 | Flat |
| NEWLAND HEIGHTS, 27 FLAT 17 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AT | £365,000 | 05/09/2022 | Flat |
| NEWLAND HEIGHTS, 26 FLAT 8 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AS | £350,000 | 02/09/2022 | Flat |
| NEWLAND HEIGHTS, 27 FLAT 19 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AT | £325,000 | 01/09/2022 | Flat |
| [Same street] 106 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £508,000 | 24/08/2022 | Flat |
| NEWLAND HEIGHTS 2 BALMORAL ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AR | £339,000 | 15/08/2022 | Flat |
| [Same street] 92 FLAT 5 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ | £197,000 | 24/05/2022 | Flat |
| [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 |

**Street average:** £471,286 (7 sales)
**Area average:** £330,852 (20 sales)

## Price vs local average

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

- **Local average:** £351,796 (58 Flat, BS6, 2024–2026)
- **Deviation:** -60.2%

## 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).*

- **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 |
|------|------|------|------|------|
| Bedsit, Chesterfield Road, BS6 | £725/mo | 1 | 0.16 miles | OpenRent |
| 1 Bed Flat, Sommerville Road, BS7 | £1,100/mo | 1 | 0.36 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:** 0.79% (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:** 9.4%
- **Cost-to-rent:** 10.6×
- **Monthly cashflow:** £414/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 12.2%

*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:** £4,000/m²

## Capital growth trend

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

- **5y growth:** -2.7%
- **10y growth:** 20.8%

## House Price Index (HM Land Registry)

*Official index for City of Bristol; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -5.5%
- **5y growth (index):** 3.8%
- **10y growth (index):** 28.5%

## 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)

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Property details

Tenure

LEASEHOLD

Floor area

35 m²

EPC rating

Year built

England and Wales: 2007-2011

Last sold

£149,500 Jul 2015

Price per m²

£4,000/m²

Local average

£351,796 (-60.2%)

Deprivation

Decile 9 (27,085 of 33,755)

Street crime

1380 incidents within 1 mile (Apr 2026)

Key features

POPULAR LOCATION
FIRST FLOOR FLAT
MODERN KITCHEN & BATHROOM
NO ONWARD CHAIN

Description

SUMMARY
Lovely first floor flat located in a popular location with great amenities and transport links to the City Centre. Internally boasting open plan living, a double bedroom and modern bathroom. Would make an idea first time buy or investment. Call today for further information....

DESCRIPTION
Offering to the market this first floor flat located in Montpelier. The accommodation comprises open plan lounge and kitchen, one bedroom and a bathroom.

This property is being sold with no onward chain, call Connells on 01179 664278 for further information.

Communal Entrance
Front door, stairs to all floors.

Entrance Hall
Front door, intercom entry system, smoke alarm, fuse boxes, laminate flooring, doors to all rooms.

Open Plan Lounge & Kitchen 15' 6" x 12' 6" ( 4.72m x 3.81m )
Lounge Area: Three double glazed front windows, radiator, television point, inset ceiling spot lights, laminate flooring.

Kitchen Area: Fitted kitchen with wall and base units, work surfaces, part tiled. stainless steel sink/drainer, oven and gas hob, cookerhood, plumbing for washing machine, central heating boiler.

Bedroom 10' 3" x 10' 9" ( 3.12m x 3.28m )
Double glazed rear window, radiator, television point.

Bathroom
White bathroom suite comprising bath with shower over, wash hand basin, low level wc, extractor fan, shaver point, part tiled.

1. MONEY LAUNDERING REGULATIONS - Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.
2: These particulars do not constitute part or all of an offer or contract.
3: The measurements indicated are supplied for guidance only and as such must be considered incorrect.
4: Potential buyers are advised to recheck the measurements before committing to any expense.
5: Connells has not tested any apparatus, equipment, fixtures, fittings or services and it is the buyers interests to check the working condition of any appliances.
6: Connells has not sought to verify the legal title of the property and the buyers must obtain verification from their solicitor.

Listed by

Southville

Connells

Reference: 34002348

EPC Rating & Upgrade Cost

This certificate expired on 31/03/2025. A new EPC may be required before the property can be marketed or let.

Current rating: C

Potential rating: B

Inspection date: 01/04/2015

Expiry date: 31/03/2025 (expired)

Current heating cost: £159/year

Potential heating cost: £162/year

Recommendations

Low energy lighting for all fixed outlets (35)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC 1

Price history

Event	Date	Price	% change
Sold	10/07/2015 (10 years ago)	£149,500	—

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
96 YORK ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5QQ	£485,000	19/12/2025	Flat
101 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS	£380,000	16/12/2025	Flat
MONTPELIER COURT 12 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£265,000	08/12/2025	Flat
24C BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DJ	£200,000	31/10/2025	Flat
Same street 94 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£920,000	16/02/2024	Terraced
45 BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DQ	£458,000	11/12/2023	Flat
121 FLAT 4 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS	£217,500	08/12/2023	Flat
36B BELVOIR ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DJ	£430,000	29/09/2023	Flat
58 FLAT 3 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW	£233,000	26/05/2023	Flat
MONTPELIER COURT 19 STATION ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EA	£240,000	17/05/2023	Flat
Same street 124 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£666,000	18/04/2023	Semi-detached
60 FLAT 2 CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DP	£391,000	21/12/2022	Flat
125 GARDEN FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EX	£285,500	09/12/2022	Flat
61 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5HA	£335,000	11/11/2022	Flat
MONTPELIER VIEW HOUSE, 122 FLAT 6 YORK ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5QQ	£380,000	14/10/2022	Flat
58 FLAT 1 RICHMOND ROAD, MONTPELIER, BRISTOL, CITY OF BRISTOL, BS6 5EW	£385,531	14/10/2022	Flat
Same street 106 FIRST FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£414,000	04/10/2022	Flat
69 UPPER CHELTENHAM PLACE, BRISTOL, CITY OF BRISTOL, BS6 5HS	£310,000	21/09/2022	Flat
95 SECOND FLOOR FLAT CHESTERFIELD ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5DS	£242,500	16/09/2022	Flat
NEWLAND HEIGHTS, 27 FLAT 17 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AT	£365,000	05/09/2022	Flat
NEWLAND HEIGHTS, 26 FLAT 8 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AS	£350,000	02/09/2022	Flat
NEWLAND HEIGHTS, 27 FLAT 19 HURLINGHAM ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AT	£325,000	01/09/2022	Flat
Same street 106 GROUND FLOOR FLAT CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£508,000	24/08/2022	Flat
NEWLAND HEIGHTS 2 BALMORAL ROAD, BRISTOL, CITY OF BRISTOL, BS7 9AR	£339,000	15/08/2022	Flat
Same street 92 FLAT 5 CROMWELL ROAD, ST ANDREWS, BRISTOL, CITY OF BRISTOL, BS6 5EZ	£197,000	24/05/2022	Flat
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

Street average: £471,286 (7 sales)

Area average: £330,852 (20 sales)

Capital growth trend

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

5y growth -2.7%

10y growth 20.8%

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

1y (index) -5.5%

5y (index) 3.8%

10y (index) 28.5%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: FLATS R US (BRISTOL) LIMITED (06007711)

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: £549/mo (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	76
Criminal damage and arson	73
Burglary	64
Robbery	60
Drugs	34
Bicycle theft	27
Other crime	18
Theft from the person	17
Possession of weapons	7
Total incidents	1380

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 (same bedroom count). Use to validate rent estimates. 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	0.36 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 0.79%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 9.4%

Cost-to-rent ratio 10.6×

Monthly cashflow £414/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 12.2%

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).