Sold Flat

BASEMENT FLAT

129 KENNINGTON PARK ROAD, LONDON, GREATER LONDON SE11 4JJ

1 beds 1 baths 50 m² Listed 28 Apr 2018 (-3006d)

£499,950

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# 1 bedroom apartment for sale (SE11 4JJ)

## Property Details

| Key | Value |
|-----|-------|
| Address | BASEMENT FLAT, 129 KENNINGTON PARK ROAD, LONDON, GREATER LONDON SE11 4JJ |
| Price | £499,950 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Last sold | £407,500 Sep 2020 |

## Description

A delightful, large one bedroom Grade II listed apartment positioned on a wonderful tree lined street just moments from Kennington tube station (0.1 mile).

This Georgian period conversion, has the benefit of being a share of freehold, has its own private entrance and benefits from a lovely private patio garden. Internally there are excellent proportions and delightful period features

Suitable for a wide range of buyers including first time buyers, or indeed investment buyers, this home would make an excellent acquisition.

## Property Photos

- ![Picture No. 11](/listings/photos/54153792/1260581) - Picture No. 11
- ![Picture No. 10](/listings/photos/54153792/1260582) - Picture No. 10
- ![Picture No. 01](/listings/photos/54153792/1260589) - Picture No. 01
- ![Picture No. 09](/listings/photos/54153792/1260591) - Picture No. 09
- ![Picture No. 08](/listings/photos/54153792/1260597) - Picture No. 08
- ![Picture No. 07](/listings/photos/54153792/1260601) - Picture No. 07
- ![Picture No. 03](/listings/photos/54153792/1260605) - Picture No. 03
- ![Picture No. 04](/listings/photos/54153792/1260607) - Picture No. 04

## Floorplans

- ![Picture No. 05](/listings/photos/54153792/1260610) - Picture No. 05

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/54153792/1260614) - EPC Rating Graph

## FENSA Certificates

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

### FENSA Certificate #16934559
- **Address:** 129 Kennington Park Road, LONDON, SE11 4JJ
- **Certificate Issued:** 24/08/2025
- **Work Completed:** 31/01/2025
- **Items:** 7 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 129 BASEMENT FLAT KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £407,500 | 18/09/2020 | Flat |
| 129 BASEMENT FLAT KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £388,500 | 05/02/2016 | Flat |
| 129 BASEMENT FLAT KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £95,000 | 05/02/1999 | 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 |
|---------|-------|------|------|
| [Same street] 117 FLAT 6 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £705,000 | 12/01/2026 | Flat |
| [Same street] 111 FLAT 3 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £472,000 | 14/03/2025 | Flat |
| [Same street] 147 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £565,000 | 25/02/2025 | Flat |
| [Same street] 121 FLAT 4 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £735,000 | 31/01/2025 | Flat |
| [Same street] 155 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £1,580,000 | 06/01/2025 | Terraced |
| [Same street] 161 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £600,000 | 11/12/2024 | Flat |
| 22 FLAT B DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £756,000 | 26/11/2024 | Flat |
| 20 RAVENSDON STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AR | £1,085,000 | 09/08/2024 | Flat |
| [Same street] 117 FLAT 9 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £515,000 | 21/12/2023 | Flat |
| [Same street] 151 - 153 FLAT 1 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £750,000 | 18/12/2023 | Flat |
| 8 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £753,900 | 30/11/2023 | Flat |
| IRVING HOUSE FLAT 242 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TS | £269,300 | 24/11/2023 | Flat |
| [Same street] 161 FLAT C KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £400,600 | 27/10/2023 | Flat |
| 13 GROUND FLOOR FLAT KENNINGTON PARK PLACE, LONDON, SOUTHWARK, GREATER LONDON, SE11 4AS | £709,700 | 26/10/2023 | Flat |
| SACKVILLE COURT, 119 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JS | £650,000 | 13/10/2023 | Flat |
| 6 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £750,000 | 13/10/2023 | Flat |
| 4 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £713,500 | 29/09/2023 | Flat |
| 6A DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £680,000 | 29/09/2023 | Flat |
| 6B DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT | £680,000 | 29/09/2023 | Flat |
| 50 GROUND AND FIRST FLOOR FLAT METHLEY STREET, KENNINGTON, LONDON, LAMBETH, GREATER LONDON, SE11 4AJ | £770,000 | 06/07/2023 | Flat |
| [Same street] 143 FLAT 4 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £345,000 | 28/04/2023 | Flat |
| 16 KENNINGTON PARK PLACE, LONDON, SOUTHWARK, GREATER LONDON, SE11 4AS | £620,000 | 22/12/2022 | Flat |
| [Same street] 143 FLAT 1 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £440,000 | 16/12/2022 | Flat |
| [Same street] 147 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £520,000 | 24/11/2022 | Flat |
| 26B SHARSTED STREET, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TN | £480,000 | 11/11/2022 | Flat |
| 10B RADCOT STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AH | £850,000 | 30/09/2022 | Flat |
| [Same street] 135 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £800,000 | 28/09/2022 | Flat |
| [Same street] 111 FLAT 3 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £425,000 | 27/09/2022 | Flat |
| 1 FLAT 6 WHITACRE MEWS, LONDON, LAMBETH, GREATER LONDON, SE11 4AB | £488,000 | 09/09/2022 | Flat |
| 1 FLAT 5 WHITACRE MEWS, LONDON, LAMBETH, GREATER LONDON, SE11 4AB | £475,000 | 05/09/2022 | Flat |
| 32B RAVENSDON STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AR | £662,600 | 26/08/2022 | Flat |
| 100 ALBERTA STREET, LONDON, SOUTHWARK, GREATER LONDON, SE17 3RT | £650,000 | 25/08/2022 | Flat |
| [Same street] 143 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £495,000 | 19/08/2022 | Flat |
| 161 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ | £530,000 | 16/08/2022 | Flat |
| 53 FLAT C CLEAVER SQUARE, LONDON, LAMBETH, GREATER LONDON, SE11 4EA | £320,000 | 05/08/2022 | Flat |

**Street average:** £623,173 (15 sales)
**Area average:** £644,650 (20 sales)

## Price vs local average

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

- **Local average:** £598,882 (57 Flat, SE11, 2024–2026)
- **Deviation:** -16.5%

## Rental Range

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

- **Low:** £2,155/mo
- **Realistic:** £2,394/mo
- **Optimistic:** £2,633/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £773/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 |
|------|------|------|------|------|
| 1 Bed Flat, Kilner House, SE11 | £2,300/mo | 1 | 0.29 miles | OpenRent |
| 1 Bed Flat, Pasley Court, SE17 | £3,300/mo | 1 | 0.31 miles | OpenRent |

**Average rent: £2,800/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.56% (weak for cashflow)
- **Max investor price (0.8%):** £350,000
- **Target investor price (1%):** £280,000

*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 £2,800/mo).*

- **Gross yield:** 6.7%
- **Cost-to-rent:** 14.9×
- **Monthly cashflow:** £526/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.4%

*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).*

## Capital growth trend

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

- **5y growth:** 3.9%
- **10y growth:** 0.4%

## House Price Index (HM Land Registry)

*Official index for Southwark; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -2.2%
- **5y growth (index):** -2%
- **10y growth (index):** -7.1%

## 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)

Picture No. 11 Picture No. 10 Picture No. 01 Picture No. 09 Picture No. 08 Picture No. 07 Picture No. 03 Picture No. 04

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Property details

Tenure

SHARE_OF_FREEHOLD

Floor area

50 m²

Last sold

£407,500 Sep 2020

Local average

£598,882 (-16.5%)

Deprivation

Decile 4 (10,447 of 33,755)

Street crime

1911 incidents within 1 mile (May 2026)

Additional details

Garden: Yes

Description

A delightful, large one bedroom Grade II listed apartment positioned on a wonderful tree lined street just moments from Kennington tube station (0.1 mile).

This Georgian period conversion, has the benefit of being a share of freehold, has its own private entrance and benefits from a lovely private patio garden. Internally there are excellent proportions and delightful period features

Suitable for a wide range of buyers including first time buyers, or indeed investment buyers, this home would make an excellent acquisition.

Listed by

South Bank & Waterloo

Dexters

Reference: 54153792

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Picture No. 05

EPC Graphs

EPC Rating Graph

FENSA Certificates

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

FENSA Certificate #16934559 Recent

Property Details

Street: 129 Kennington Park Road

Town: LONDON

Postcode: SE11 4JJ

Installation Details

Items: 7 windows

Certificate Issued: 24/08/2025

Work Completed: 31/01/2025

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

329% since 1999

Event	Date	Price	% change
Sold	18/09/2020 (5 years ago)	£407,500	+4.9%
Sold	05/02/2016 (10 years ago)	£388,500	+308.9%
Sold	05/02/1999 (27 years ago)	£95,000	—

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 117 FLAT 6 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£705,000	12/01/2026	Flat
Same street 111 FLAT 3 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£472,000	14/03/2025	Flat
Same street 147 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£565,000	25/02/2025	Flat
Same street 121 FLAT 4 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£735,000	31/01/2025	Flat
Same street 155 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£1,580,000	06/01/2025	Terraced
Same street 161 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£600,000	11/12/2024	Flat
22 FLAT B DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£756,000	26/11/2024	Flat
20 RAVENSDON STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AR	£1,085,000	09/08/2024	Flat
Same street 117 FLAT 9 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£515,000	21/12/2023	Flat
Same street 151 - 153 FLAT 1 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£750,000	18/12/2023	Flat
8 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£753,900	30/11/2023	Flat
IRVING HOUSE FLAT 242 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TS	£269,300	24/11/2023	Flat
Same street 161 FLAT C KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£400,600	27/10/2023	Flat
13 GROUND FLOOR FLAT KENNINGTON PARK PLACE, LONDON, SOUTHWARK, GREATER LONDON, SE11 4AS	£709,700	26/10/2023	Flat
SACKVILLE COURT, 119 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JS	£650,000	13/10/2023	Flat
6 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£750,000	13/10/2023	Flat
4 DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£713,500	29/09/2023	Flat
6A DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£680,000	29/09/2023	Flat
6B DODDINGTON GROVE, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TT	£680,000	29/09/2023	Flat
50 GROUND AND FIRST FLOOR FLAT METHLEY STREET, KENNINGTON, LONDON, LAMBETH, GREATER LONDON, SE11 4AJ	£770,000	06/07/2023	Flat
Same street 143 FLAT 4 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£345,000	28/04/2023	Flat
16 KENNINGTON PARK PLACE, LONDON, SOUTHWARK, GREATER LONDON, SE11 4AS	£620,000	22/12/2022	Flat
Same street 143 FLAT 1 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£440,000	16/12/2022	Flat
Same street 147 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£520,000	24/11/2022	Flat
26B SHARSTED STREET, LONDON, SOUTHWARK, GREATER LONDON, SE17 3TN	£480,000	11/11/2022	Flat
10B RADCOT STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AH	£850,000	30/09/2022	Flat
Same street 135 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£800,000	28/09/2022	Flat
Same street 111 FLAT 3 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£425,000	27/09/2022	Flat
1 FLAT 6 WHITACRE MEWS, LONDON, LAMBETH, GREATER LONDON, SE11 4AB	£488,000	09/09/2022	Flat
1 FLAT 5 WHITACRE MEWS, LONDON, LAMBETH, GREATER LONDON, SE11 4AB	£475,000	05/09/2022	Flat
32B RAVENSDON STREET, LONDON, LAMBETH, GREATER LONDON, SE11 4AR	£662,600	26/08/2022	Flat
100 ALBERTA STREET, LONDON, SOUTHWARK, GREATER LONDON, SE17 3RT	£650,000	25/08/2022	Flat
Same street 143 FLAT 2 KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£495,000	19/08/2022	Flat
161 FLAT A KENNINGTON PARK ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE11 4JJ	£530,000	16/08/2022	Flat
53 FLAT C CLEAVER SQUARE, LONDON, LAMBETH, GREATER LONDON, SE11 4EA	£320,000	05/08/2022	Flat

Street average: £623,173 (15 sales)

Area average: £644,650 (20 sales)

Capital growth trend

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

5y growth 3.9%

10y growth 0.4%

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

1y (index) -2.2%

5y (index) -2%

10y (index) -7.1%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: 129 KENNINGTON PARK ROAD LIMITED (5115822)

Rental Range

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

Low £2,155/mo

Realistic £2,394/mo

Optimistic £2,633/mo

Based on Local Authority from postcode lookup → Southwark.

LHA (30th percentile) floor for Stevenage & North Herts: £773/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SE11 4JJ

Nearby

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

Type	Name	Distance
Bus stop	Kennington Station	0.0 miles
Train station	Kennington	0.1 miles
Shop	Unknown	0.1 miles
Shop	Payless	0.1 miles
Train station	Oval	0.4 miles
University	University of Wales Trinity Saint David London Campus	0.5 miles
University	LSBU Active	0.8 miles
Hospital	Dental Hospital	1.4 miles
Hospital	King's College Hospital Emergency Department	1.4 miles

Street-level crime

Category	Count
Violence and sexual offences	465
Anti-social behaviour	438
Theft from the person	274
Other theft	162
Shoplifting	140
Public order	107
Robbery	86
Burglary	60
Drugs	58
Vehicle crime	54
Bicycle theft	38
Other crime	18
Criminal damage and arson	7
Possession of weapons	4
Total incidents	1911

Within 1 mile during May 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
Keyworth Primary School	Primary	0.1 miles	Good — 11 Jun 2018
The Park College	Other	0.1 miles	— (No rating)
Henry Fawcett Primary School	Primary	0.3 miles	Good — 9 Sep 2024
Evolve Academy	Other	0.3 miles	— (No rating)
Octavia House Schools, London	Other	0.3 miles	Outstanding — 28 Nov 2022

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
1 Bed Flat, Kilner House, SE11	£2,300/mo	1	0.29 miles	OpenRent
1 Bed Flat, Pasley Court, SE17	£3,300/mo	1	0.31 miles	OpenRent

Average rent: £2,800/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.56%

Max investor price (0.8%) £350,000

Target investor price (1%) £280,000

Gross yield 6.7%

Cost-to-rent ratio 14.9×

Monthly cashflow £526/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4.4%

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).