Let Semi-detached

75 DENRY CRESCENT

NEWCASTLE, STAFFORDSHIRE ST5 8JW

3 beds 1 baths 98 m² Listed 4 Aug 2018 (-3000d)

£775 pcm

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# 3 bedroom semi-detached house for rent (ST5 8JW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 75 DENRY CRESCENT, NEWCASTLE, STAFFORDSHIRE ST5 8JW |
| Price | £775 pcm |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £155,000 May 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 28/04/2036
- **Current heating cost:** £973/year
- **Est. upgrade cost to C:** £16,500

### Recommendations
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1100-1815-0122-1628-3463)

## Description

FURNISHED HOUSE. Martin and Co offer for rent this lovely three bed semi-detached house Furnished in the popular location of Bradwell on the out skirts of Newcastle Town Centre, close to all local amenities, schools and all major road links, the property offers good sized accommodation with entrance hall, lounge/diner, kitchen, downstairs cloakroom, first floor landing, three bedrooms and bathroom. Externally there is a driveway for off road parking, single garage and having enclosed garden to the rear. Suitable for professionals and students. Pets considered

## Property Photos

- ![Photo](/listings/photos/74844980/574434)
- ![Photo](/listings/photos/74844980/574436)
- ![Photo](/listings/photos/74844980/574437)
- ![Photo](/listings/photos/74844980/574438)
- ![Photo](/listings/photos/74844980/574439)
- ![Photo](/listings/photos/74844980/574440)
- ![Photo](/listings/photos/74844980/574441)
- ![Photo](/listings/photos/74844980/574442)
- ![Photo](/listings/photos/74844980/574443)
- ![Photo](/listings/photos/74844980/574444)
- ![Photo](/listings/photos/74844980/574445)

## EPC Graphs

- ![EPC 1](/listings/photos/74844980/574446) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 75 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £155,000 | 05/05/2026 | Semi-detached |
| 75 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £80,000 | 07/12/2012 | 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 |
|---------|-------|------|------|
| 17 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL | £186,000 | 01/07/2026 | Semi-detached |
| 104 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £103,000 | 03/03/2026 | Semi-detached |
| 2 SILVERTON CLOSE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8LU | £102,500 | 25/09/2025 | Semi-detached |
| 234 FEARNS AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8LS | £195,000 | 27/08/2025 | Semi-detached |
| 71A CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN | £157,000 | 15/08/2025 | Semi-detached |
| 51 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £218,000 | 28/06/2024 | Semi-detached |
| 62 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN | £110,000 | 08/11/2023 | Semi-detached |
| 84 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £115,000 | 20/10/2023 | Semi-detached |
| 37 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL | £125,000 | 29/09/2023 | Semi-detached |
| 6 CHELL GROVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8HY | £144,000 | 17/07/2023 | Semi-detached |
| 60 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN | £105,000 | 27/06/2023 | Semi-detached |
| 104 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW | £89,000 | 23/03/2023 | Semi-detached |
| 30 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL | £86,000 | 22/03/2023 | Semi-detached |
| 189 FEARNS AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NN | £164,950 | 15/03/2023 | Semi-detached |
| 25 BURSLEY WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JQ | £195,000 | 28/02/2023 | Semi-detached |
| 39 MACHIN CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NL | £85,000 | 21/12/2022 | Semi-detached |
| 30 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL | £70,000 | 19/12/2022 | Semi-detached |
| 48 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8QF | £202,000 | 30/11/2022 | Semi-detached |
| 12 THE CARDWAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NW | £190,000 | 23/09/2022 | Semi-detached |
| 15 MACHIN CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NJ | £147,000 | 13/09/2022 | Semi-detached |

**Area average:** £139,473 (20 sales)

## Price vs local average

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

- **Local average:** £199,810 (165 Semi-detached, ST5, 2024–2026)
- **Deviation:** -99.6%

## Rental Range

*ONS Price Index of Private Rents (Newcastle-under-Lyme). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £750/mo
- **Realistic:** £833/mo
- **Optimistic:** £916/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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 |
|------|------|------|------|------|
| [Cauldon Avenue, Newcastle](http://87.117.209.195:8080/listings/0507da6) | £1,250/mo | 3 | 0.22 miles | Rightmove |
| [Bradwell Lane, Bradwell, Newcastle](http://87.117.209.195:8080/listings/2a8fb08) | £975/mo | 3 | 0.27 miles | Rightmove |
| [Rowley Avenue, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/111df22) | £950/mo | 3 | 0.44 miles | Rightmove |
| [Carlos Place, Newcastle, ST5](http://87.117.209.195:8080/listings/ccdf097) | £1,240/mo | 3 | 0.49 miles | Rightmove |
| [Brittain Avenue, Chesterton, Newcastle-under-Lyme](http://87.117.209.195:8080/listings/c2659f4) | £800/mo | 3 | 0.52 miles | Rightmove |
| [Leech Avenue, Newcastle](http://87.117.209.195:8080/listings/4359579) | £1,175/mo | 3 | 0.56 miles | Rightmove |
| [High Street, May Bank, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/9d4fb66) | £900/mo | 3 | 0.71 miles | Rightmove |
| [Watermills, Apedale, Newcastle-under-Lyme, ST5](http://87.117.209.195:8080/listings/cde4a36) | £1,020/mo | 3 | 0.99 miles | Rightmove |
| [Watermills, Apedale, Newcastle-under-Lyme, ST5](http://87.117.209.195:8080/listings/d166541) | £1,100/mo | 3 | 0.99 miles | Rightmove |
| [Car Park Lymedale Cross Industrial Estate, Newcastle Under Lyme ST5](http://87.117.209.195:8080/listings/bced143) | £1/mo | — | 1.19 miles | Rightmove |
| [The Crossway, May Bank, ST5](http://87.117.209.195:8080/listings/f673289) | £1,100/mo | 3 | 1.51 miles | Rightmove |
| [Hill Street, Newcastle Under Lyme, ST5](http://87.117.209.195:8080/listings/1fc5659) | £925/mo | 3 | 1.75 miles | Rightmove |
| [Ashfields New Road, Newcastle-under-lyme](http://87.117.209.195:8080/listings/f638157) | £950/mo | 3 | 1.78 miles | Rightmove |
| [Moran Road, Newcastle, ST5](http://87.117.209.195:8080/listings/3686f51) | £925/mo | 3 | 1.88 miles | Rightmove |
| [Brindley Street, Newcastle, ST5](http://87.117.209.195:8080/listings/4f239f1) | £950/mo | 3 | 1.94 miles | Rightmove |
| [Heath Street, Newcastle, ST5](http://87.117.209.195:8080/listings/e04a861) | £950/mo | 3 | 1.95 miles | Rightmove |
| [Waters Edge Close, Newcastle, ST5](http://87.117.209.195:8080/listings/2792c12) | £950/mo | 3 | 1.97 miles | Rightmove |
| [Flat 6, 120 King Street, Newcastle, ST5 1JJ](http://87.117.209.195:8080/listings/e1f5dc0) | £495/mo | — | 2.05 miles | Rightmove |
| [Modern Studio In Newcastle-Under-Lyme, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/5474199) | £595/mo | — | 2.26 miles | Rightmove |
| [Orme Road, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/ca92e69) | £900/mo | 3 | 2.28 miles | Rightmove |

**Average rent: £971/mo (33 listings)**

## 1% Rule

- **Rent ratio:** 122.58% (strong)
- **Max investor price (0.8%):** £118,750
- **Target investor price (1%):** £95,000

*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 £950/mo).*

- **Gross yield:** 1471%
- **Cost-to-rent:** 0.1×
- **Monthly cashflow:** £827/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4415.3%

*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:** £8/m²

## Capital growth trend

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

- **5y growth:** 7%
- **10y growth:** 25.7%

## House Price Index (HM Land Registry)

*Official index for Newcastle-under-Lyme; Semi-detached series; as of July 2026.*

- **1y growth (index):** 7.3%
- **5y growth (index):** 30.2%
- **10y growth (index):** 60.6%

## 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

Floor area

98 m²

EPC rating

Last sold

£155,000 May 2026

Price per m²

£8/m²

Local average

£199,810 (-99.6%)

Deprivation

Decile 3 (8,395 of 33,755)

Street crime

172 incidents within 1 mile (Aug 2026)

Key features

Furnished House
Semi-detached House
Three Bedrooms
Lounge/Diner, Kitchen
Off Road Parking
Garage and Gardens
Convenient Location
Well Presented Throughout
Suitable for Professionals or Students
Pets Considered

Additional details

Parking: Garage, Off street
Garden: Yes

Description

Listed by

Newcastle Under Lyme

The Property Franchise Group

Reference: 74844980

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 29/04/2026

Expiry date: 28/04/2036

Current heating cost: £973/year

Potential heating cost: £902/year

Est. upgrade cost to C: £16,500

Recommendations

Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~22,529 m² (5.57 acres)

Source: HM Land Registry INSPIRE Index Polygons.

EPC Graphs

EPC 1

Price history

94% since 2012

Event	Date	Price	% change
Sold	05/05/2026 (5 months ago)	£155,000	+93.8%
Sold	07/12/2012 (13 years ago)	£80,000	—

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
17 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL	£186,000	01/07/2026	Semi-detached
104 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW	£103,000	03/03/2026	Semi-detached
2 SILVERTON CLOSE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8LU	£102,500	25/09/2025	Semi-detached
234 FEARNS AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8LS	£195,000	27/08/2025	Semi-detached
71A CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN	£157,000	15/08/2025	Semi-detached
51 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW	£218,000	28/06/2024	Semi-detached
62 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN	£110,000	08/11/2023	Semi-detached
84 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW	£115,000	20/10/2023	Semi-detached
37 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL	£125,000	29/09/2023	Semi-detached
6 CHELL GROVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8HY	£144,000	17/07/2023	Semi-detached
60 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JN	£105,000	27/06/2023	Semi-detached
104 DENRY CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JW	£89,000	23/03/2023	Semi-detached
30 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL	£86,000	22/03/2023	Semi-detached
189 FEARNS AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NN	£164,950	15/03/2023	Semi-detached
25 BURSLEY WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JQ	£195,000	28/02/2023	Semi-detached
39 MACHIN CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NL	£85,000	21/12/2022	Semi-detached
30 KNYPE WAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8JL	£70,000	19/12/2022	Semi-detached
48 CAULDON AVENUE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8QF	£202,000	30/11/2022	Semi-detached
12 THE CARDWAY, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NW	£190,000	23/09/2022	Semi-detached
15 MACHIN CRESCENT, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 8NJ	£147,000	13/09/2022	Semi-detached

Area average: £139,473 (20 sales)

Capital growth trend

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

5y growth 7%

10y growth 25.7%

House Price Index (HM Land Registry — official index, not sold-price averages): Newcastle-under-Lyme. Series: Semi-detached. As of July 2026.

1y (index) 7.3%

5y (index) 30.2%

10y (index) 60.6%

Rental Range

Estimated market rent for Newcastle-under-Lyme. Low = conservative, Realistic = average, Optimistic = best case.

Low £750/mo

Realistic £833/mo

Optimistic £916/mo

Based on Local Authority from postcode lookup → Newcastle-under-Lyme.

LHA (30th percentile) floor for Staffordshire North: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST5 8JW

Nearby

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

Type	Name	Distance
Bus stop	Working Mens Club	0.1 miles
Bus stop	Chell Grove	0.1 miles
Shop	Riceyman News, Food & Booze	0.4 miles
Shop	Screwfix	0.5 miles
Train station	Longport	0.7 miles
Train station	Apedale Road	1.4 miles
Hospital	Haywood Hospital Walk-in Centre	2.0 miles
Hospital	Royal Stoke University Hospital	2.9 miles
University	Keele University	3.3 miles
University	University of Buckingham Crewe Campus	8.5 miles

Street-level crime

Category	Count
Violence and sexual offences	64
Anti-social behaviour	42
Public order	15
Shoplifting	10
Criminal damage and arson	8
Burglary	7
Other theft	7
Other crime	6
Drugs	5
Bicycle theft	3
Possession of weapons	2
Vehicle crime	2
Robbery	1
Total incidents	172

Within 1 mile during Aug 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
Bursley Academy	Primary	0.1 miles	Requires improvement — 18 Mar 2024
Sun Academy Bradwell	Primary	0.2 miles	Good — 11 Sep 2018
Chesterton Primary School	Primary	0.5 miles	Good — 8 Jul 2021
Kaleidoscope School	Other	0.7 miles	Good — 10 Dec 2023
Churchfields Primary School	Primary	0.7 miles	Outstanding — 15 Sep 2015

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
Cauldon Avenue, Newcastle	£1,250/mo	3	0.22 miles	Rightmove
Bradwell Lane, Bradwell, Newcastle	£975/mo	3	0.27 miles	Rightmove
Rowley Avenue, Newcastle, Staffordshire, ST5	£950/mo	3	0.44 miles	Rightmove
Carlos Place, Newcastle, ST5	£1,240/mo	3	0.49 miles	Rightmove
Brittain Avenue, Chesterton, Newcastle-under-Lyme	£800/mo	3	0.52 miles	Rightmove
Leech Avenue, Newcastle	£1,175/mo	3	0.56 miles	Rightmove
High Street, May Bank, Newcastle, Staffordshire, ST5	£900/mo	3	0.71 miles	Rightmove
Watermills, Apedale, Newcastle-under-Lyme, ST5	£1,020/mo	3	0.99 miles	Rightmove
Watermills, Apedale, Newcastle-under-Lyme, ST5	£1,100/mo	3	0.99 miles	Rightmove
Car Park Lymedale Cross Industrial Estate, Newcastle Under Lyme ST5	£1/mo	—	1.19 miles	Rightmove
The Crossway, May Bank, ST5	£1,100/mo	3	1.51 miles	Rightmove
Hill Street, Newcastle Under Lyme, ST5	£925/mo	3	1.75 miles	Rightmove
Ashfields New Road, Newcastle-under-lyme	£950/mo	3	1.78 miles	Rightmove
Moran Road, Newcastle, ST5	£925/mo	3	1.88 miles	Rightmove
Brindley Street, Newcastle, ST5	£950/mo	3	1.94 miles	Rightmove
Heath Street, Newcastle, ST5	£950/mo	3	1.95 miles	Rightmove
Waters Edge Close, Newcastle, ST5	£950/mo	3	1.97 miles	Rightmove
Flat 6, 120 King Street, Newcastle, ST5 1JJ	£495/mo	—	2.05 miles	Rightmove
Modern Studio In Newcastle-Under-Lyme, Newcastle-Under-Lyme, ST5	£595/mo	—	2.26 miles	Rightmove
Orme Road, Newcastle, Staffordshire, ST5	£900/mo	3	2.28 miles	Rightmove

Average rent: £971/mo (33 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 122.58%

Max investor price (0.8%) £118,750

Target investor price (1%) £95,000

Gross yield 1471%

Cost-to-rent ratio 0.1×

Monthly cashflow £827/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4415.3%

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).