Sold STC Semi-detached

55 HUMPHREYS CLOSE

STROUD, GLOUCESTERSHIRE GL5 4NX

2 beds 1 baths 667 sq ft Listed 12 Feb 2025 (-465d)

£290,000

Reduced on 16 May 2025

Save

# 2 bedroom semi-detached bungalow for sale (GL5 4NX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 55 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE GL5 4NX |
| Price | £290,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 62 m² |
| Last sold | £285,000 Sep 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Current heating cost:** £683/year
- **Est. upgrade cost to C:** £14,500

### Recommendations
- W2 (£4,000 - £6,000)
- 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/2526-6128-4413-1022-5112)

## Description

**Situation** - Cashes Green is adjacent to Cainscross and is within easy proximity of the local Co-op supermarket, post office and a number of other local shops. Schooling is convenient to with nearby Foxmoor Primary school.  Archway Secondary School, Marling Grammar for Boys and Stroud High for Girls all being accessible. Stroud centre offers a full range of leisure and shopping facilities along with a main line railway station to London Paddington, whilst Cainscross itself has bus routes and it is also convenient to get to junction 13 of the M5. . A short drive will take you to Sainsbury's Supermarket along with Selsley Common offering excellent dog walking territory and further possibilities for outdoor recreational pursuits.

**Entrance Hall** - UPVC double glazed entrance door, storage cupboard, radiator and phone point.

**Shower Room** - 1.80m x 1.68m (5'10" x 5'6") - Low level WC, vanity sink with mixer tap, shower enclosure, Mira shower, vinyl flooring, radiator, UPVC double glazed & frosted window, storage cupboard and access to loft space. The loft is accessed via pull-down ladder &  is insulated, part-boarded and has lighting. The Vaillant combination boiler is also in the loft.

**Bedroom Two** - 2.67m x 3.05m (8'9" x 10'0") - UPVC double glazed window with blind and a radiator.

**Bedroom One** - 3.86m x 3.26m (12'7" x 10'8") - UPVC double glazed window with blind and a radiator.

**Living Room** - 5.41m x 3.26m (17'8" x 10'8") - UPVC double glazed windows to garden with blind, radiator and electric fire.

**Kitchen/Dining Room** - 5.39m x 2.67m (17'8" x 8'9") - Good range of wall, floor & drawer kitchen units, drainless stainless steel sink with mixer tap, built-in oven, microwave, fridge, freezer & washing machine, vinyl flooring, extractor fan, radiator and UPVC double glazed window with blind & French door to garden.

**Exterior** - The rear garden is mainly laid to lawn & patio. Further benefits include fence/brick borders, gated side access, shed and bedding areas.

The front/side is mainly laid to lawn with outside lighting & bedding area.

**Off-Street Parking** - Tarmacked driveways for 3+ vehicles.

**Tenure** - Freehold

**Council Tax Band** - The council tax band is C.

**Social Media** - Like and share our Facebook page (@HuntersStroud) & Instagram Page (@hunterseastroud) to see our new properties, useful tips and advice on selling/purchasing your home.

**Gold At British Property Awards** - We are pleased to announce Hunters Estate Agents in Stroud have won the GOLD award at the British Property Awards 2024. We also won the award in 2023 and 2021.  So if would like to know the value of your own home & how we are different from our competitors, call us on   or email us at   for a free valuation.

## Property Photos

- ![Picture (5).jpg](/listings/photos/158147972/378639) - Picture (5).jpg
- ![Picture (12).jpg](/listings/photos/158147972/378640) - Picture (12).jpg
- ![Picture (10).jpg](/listings/photos/158147972/378641) - Picture (10).jpg
- ![Picture (2).jpg](/listings/photos/158147972/378643) - Picture (2).jpg
- ![Picture (7).jpg](/listings/photos/158147972/378644) - Picture (7).jpg
- ![Picture (4).jpg](/listings/photos/158147972/378646) - Picture (4).jpg
- ![Picture (3).jpg](/listings/photos/158147972/378647) - Picture (3).jpg
- ![Picture (9).jpg](/listings/photos/158147972/378648) - Picture (9).jpg
- ![Picture (8).jpg](/listings/photos/158147972/378651) - Picture (8).jpg

## Floorplans

- ![55 Humphreys Close, STROUD.jpg](/listings/photos/158147972/378652) - 55 Humphreys Close, STROUD.jpg

## EPC Graphs

- ![EPC.jpg](/listings/photos/158147972/378656) - EPC.jpg

## FENSA Certificates

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

### FENSA Certificate #12652867
- **Address:** 55 Humphreys Close, STROUD, GL5 4NX
- **Certificate Issued:** 20/11/2017
- **Work Completed:** 12/10/2017
- **Items:** 4 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 55 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX | £285,000 | 26/09/2025 | Semi-detached |
| 55 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX | £189,950 | 09/01/2015 | Semi-detached |
| 55 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX | £136,000 | 08/08/2014 | 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 |
|---------|-------|------|------|
| 1 HOLME COTTAGES, STROUD, GLOUCESTERSHIRE, GL5 4RW | £289,000 | 07/10/2022 | Semi-detached |
| 4 HARPER ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NG | £320,000 | 30/09/2022 | Semi-detached |
| 2 COTSWOLD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NA | £316,000 | 23/09/2022 | Semi-detached |
| [Same street] 61 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX | £275,000 | 14/09/2022 | Semi-detached |
| 10 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ | £285,000 | 02/09/2022 | Semi-detached |
| 15 THE MARTINS, WESTRIP, STROUD, GLOUCESTERSHIRE, GL5 4PB | £300,000 | 26/08/2022 | Semi-detached |
| 8 THE WORDENS, STROUD, GLOUCESTERSHIRE, GL5 4RX | £315,000 | 24/08/2022 | Semi-detached |
| [Same street] 75 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX | £470,000 | 15/08/2022 | Detached |
| 44 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NY | £252,500 | 09/06/2022 | Semi-detached |
| EAST VIEW 1 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RN | £274,500 | 05/05/2022 | Semi-detached |
| 15 THE MARTINS, WESTRIP, STROUD, GLOUCESTERSHIRE, GL5 4PB | £250,000 | 04/01/2022 | Semi-detached |
| 33 QUEENS DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NB | £281,000 | 17/12/2021 | Semi-detached |
| HATHERDENE TOWNSEND, RANDWICK, STROUD, GLOUCESTERSHIRE, GL6 6ER | £295,000 | 19/11/2021 | Semi-detached |
| 5 ACRE PLACE, STROUD, GLOUCESTERSHIRE, GL5 4BE | £505,000 | 22/10/2021 | Semi-detached |
| 22 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ | £237,500 | 22/10/2021 | Semi-detached |
| 18 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ | £275,000 | 24/09/2021 | Semi-detached |
| TREVENA COTTAGES 1 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RH | £230,000 | 20/08/2021 | Semi-detached |
| 2 SPRINGFIELD COTTAGES, STROUD, GLOUCESTERSHIRE, GL5 4RU | £240,000 | 03/08/2021 | Semi-detached |
| ROSE COTTAGES 2 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RL | £195,000 | 23/07/2021 | Semi-detached |
| 23 ELM ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NJ | £225,000 | 16/07/2021 | Semi-detached |
| 30 THE WORDENS, STROUD, GLOUCESTERSHIRE, GL5 4RX | £262,500 | 24/06/2021 | Semi-detached |
| 6 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NY | £270,000 | 01/06/2021 | Semi-detached |

**Street average:** £372,500 (2 sales)
**Area average:** £280,900 (20 sales)

## Price vs local average

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

- **Local average:** £341,638 (40 Semi-detached, GL5, 2024–2026)
- **Deviation:** -15.1%

## Rental Range

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

- **Low:** £935/mo
- **Realistic:** £1,039/mo
- **Optimistic:** £1,143/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £723/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 |
|------|------|------|------|------|
| 2 Bed Flat, Greenaways, GL5 | £1,000/mo | 2 | 0.83 miles | OpenRent |

**Average rent: £1,000/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.34% (weak for cashflow)
- **Max investor price (0.8%):** £125,000
- **Target investor price (1%):** £100,000

*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 £1,000/mo).*

- **Gross yield:** 4.1%
- **Cost-to-rent:** 24.2×
- **Monthly cashflow:** £-267/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -3.8%

*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:** £4,677/m²

## Capital growth trend

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

- **5y growth:** 22.6%
- **10y growth:** 58.5%

## House Price Index (HM Land Registry)

*Official index for Stroud; Semi-detached series; as of February 2026.*

- **1y growth (index):** 3.7%
- **5y growth (index):** 21.7%
- **10y growth (index):** 45.8%

## 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

FREEHOLD

Floor area

62 m²

Council tax band

EPC rating

Year built

England and Wales: 1967-1975

Last sold

£285,000 Sep 2025

Price per m²

£4,677/m²

Local average

£341,638 (-15.1%)

Deprivation

Decile 7 (23,362 of 33,755)

Street crime

0 incidents within 1 mile (Mar 2026)

Key features

Semi-Detached Bungalow
Extended
Two Bedrooms
Kitchen/Dining Room
Living Room
Front & Rear Garden
Off-Street Parking
UPVC double glazing
Popular Location
EPC Band C

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Driveway
Garden: Yes
Listed property: No
Restrictions: Yes
Required access: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

Hunters Estate Agents are delighted to offer this extended two bedroom semi-detached bungalow located popular road. The bungalow comprises of an entrance hall, extended kitchen/dining room, living room, two bedrooms and a shower room. Further benefits include good sized rear garden & front garden, off-street parking, UPVC double glazing and gas central heating.

Situation - Cashes Green is adjacent to Cainscross and is within easy proximity of the local Co-op supermarket, post office and a number of other local shops. Schooling is convenient to with nearby Foxmoor Primary school. Archway Secondary School, Marling Grammar for Boys and Stroud High for Girls all being accessible. Stroud centre offers a full range of leisure and shopping facilities along with a main line railway station to London Paddington, whilst Cainscross itself has bus routes and it is also convenient to get to junction 13 of the M5. . A short drive will take you to Sainsbury's Supermarket along with Selsley Common offering excellent dog walking territory and further possibilities for outdoor recreational pursuits.

Entrance Hall - UPVC double glazed entrance door, storage cupboard, radiator and phone point.

Shower Room - 1.80m x 1.68m (5'10" x 5'6") - Low level WC, vanity sink with mixer tap, shower enclosure, Mira shower, vinyl flooring, radiator, UPVC double glazed & frosted window, storage cupboard and access to loft space. The loft is accessed via pull-down ladder & is insulated, part-boarded and has lighting. The Vaillant combination boiler is also in the loft.

Bedroom Two - 2.67m x 3.05m (8'9" x 10'0") - UPVC double glazed window with blind and a radiator.

Bedroom One - 3.86m x 3.26m (12'7" x 10'8") - UPVC double glazed window with blind and a radiator.

Living Room - 5.41m x 3.26m (17'8" x 10'8") - UPVC double glazed windows to garden with blind, radiator and electric fire.

Kitchen/Dining Room - 5.39m x 2.67m (17'8" x 8'9") - Good range of wall, floor & drawer kitchen units, drainless stainless steel sink with mixer tap, built-in oven, microwave, fridge, freezer & washing machine, vinyl flooring, extractor fan, radiator and UPVC double glazed window with blind & French door to garden.

Exterior - The rear garden is mainly laid to lawn & patio. Further benefits include fence/brick borders, gated side access, shed and bedding areas.

The front/side is mainly laid to lawn with outside lighting & bedding area.

Off-Street Parking - Tarmacked driveways for 3+ vehicles.

Tenure - Freehold

Council Tax Band - The council tax band is C.

Social Media - Like and share our Facebook page (@HuntersStroud) & Instagram Page (@hunterseastroud) to see our new properties, useful tips and advice on selling/purchasing your home.

Gold At British Property Awards - We are pleased to announce Hunters Estate Agents in Stroud have won the GOLD award at the British Property Awards 2024. We also won the award in 2023 and 2021. So if would like to know the value of your own home & how we are different from our competitors, call us on or email us at for a free valuation.

Listed by

Stroud

Hunters Property Group Ltd

Reference: 158147972

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 14/02/2025

Current heating cost: £683/year

Potential heating cost: £618/year

Est. upgrade cost to C: £14,500

Recommendations

Floor insulation (solid floor) (£4,000 - £6,000)
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

55 Humphreys Close, STROUD.jpg

EPC Graphs

EPC.jpg

FENSA Certificates

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

FENSA Certificate #12652867

Property Details

Street: 55 Humphreys Close

Town: STROUD

Postcode: GL5 4NX

Installation Details

Items: 4 windows

Certificate Issued: 20/11/2017

Work Completed: 12/10/2017

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

110% since 2014

Event	Date	Price	% change
Sold	26/09/2025 (7 months ago)	£285,000	+50%
Sold	09/01/2015 (11 years ago)	£189,950	+39.7%
Sold	08/08/2014 (11 years ago)	£136,000	—

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
1 HOLME COTTAGES, STROUD, GLOUCESTERSHIRE, GL5 4RW	£289,000	07/10/2022	Semi-detached
4 HARPER ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NG	£320,000	30/09/2022	Semi-detached
2 COTSWOLD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NA	£316,000	23/09/2022	Semi-detached
Same street 61 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX	£275,000	14/09/2022	Semi-detached
10 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ	£285,000	02/09/2022	Semi-detached
15 THE MARTINS, WESTRIP, STROUD, GLOUCESTERSHIRE, GL5 4PB	£300,000	26/08/2022	Semi-detached
8 THE WORDENS, STROUD, GLOUCESTERSHIRE, GL5 4RX	£315,000	24/08/2022	Semi-detached
Same street 75 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NX	£470,000	15/08/2022	Detached
44 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NY	£252,500	09/06/2022	Semi-detached
EAST VIEW 1 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RN	£274,500	05/05/2022	Semi-detached
15 THE MARTINS, WESTRIP, STROUD, GLOUCESTERSHIRE, GL5 4PB	£250,000	04/01/2022	Semi-detached
33 QUEENS DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NB	£281,000	17/12/2021	Semi-detached
HATHERDENE TOWNSEND, RANDWICK, STROUD, GLOUCESTERSHIRE, GL6 6ER	£295,000	19/11/2021	Semi-detached
5 ACRE PLACE, STROUD, GLOUCESTERSHIRE, GL5 4BE	£505,000	22/10/2021	Semi-detached
22 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ	£237,500	22/10/2021	Semi-detached
18 PARK VIEW DRIVE, STROUD, GLOUCESTERSHIRE, GL5 4NQ	£275,000	24/09/2021	Semi-detached
TREVENA COTTAGES 1 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RH	£230,000	20/08/2021	Semi-detached
2 SPRINGFIELD COTTAGES, STROUD, GLOUCESTERSHIRE, GL5 4RU	£240,000	03/08/2021	Semi-detached
ROSE COTTAGES 2 SPRINGFIELD ROAD, STROUD, GLOUCESTERSHIRE, GL5 4RL	£195,000	23/07/2021	Semi-detached
23 ELM ROAD, STROUD, GLOUCESTERSHIRE, GL5 4NJ	£225,000	16/07/2021	Semi-detached
30 THE WORDENS, STROUD, GLOUCESTERSHIRE, GL5 4RX	£262,500	24/06/2021	Semi-detached
6 HUMPHREYS CLOSE, STROUD, GLOUCESTERSHIRE, GL5 4NY	£270,000	01/06/2021	Semi-detached

Street average: £372,500 (2 sales)

Area average: £280,900 (20 sales)

Capital growth trend

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

5y growth 22.6%

10y growth 58.5%

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

1y (index) 3.7%

5y (index) 21.7%

10y (index) 45.8%

Rental Range

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

Low £935/mo

Realistic £1,039/mo

Optimistic £1,143/mo

Based on Local Authority from postcode lookup → Stroud.

LHA (30th percentile) floor for Gloucester: £723/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View GL5 4NX

Nearby

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

Type	Name	Distance
Bus stop	Humphreys End	0.1 miles
Bus stop	More Hall Convent	0.1 miles
Shop	Tesco Express	0.5 miles
Shop	The Co-operative Food	0.6 miles
Train station	Stroud	1.3 miles
Train station	Stonehouse	1.5 miles
Hospital	Stroud Maternity Hospital	1.8 miles
Hospital	Stroud General Hospital	1.8 miles
University	University of Gloucestershire City Campus	7.8 miles
University	University of Gloucestershire - Oxtalls Campus	8.4 miles

Street-level crime

Category	Count
Total incidents	0

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
Cashes Green Primary School	Primary	0.1 miles	Good — 11 Sep 2017
Archway School	Secondary	0.4 miles	Good — 10 May 2022
Randwick Church of England Primary School	Primary	0.5 miles	Outstanding — 17 Jun 2014
Foxmoor Primary School	Primary	0.6 miles	Good — 12 May 2020
St Matthew's Church of England Primary School	Primary	0.6 miles	Good — 12 Nov 2023

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
2 Bed Flat, Greenaways, GL5	£1,000/mo	2	0.83 miles	OpenRent

Average rent: £1,000/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.34%

Max investor price (0.8%) £125,000

Target investor price (1%) £100,000

Gross yield 4.1%

Cost-to-rent ratio 24.2×

Monthly cashflow £-267/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -3.8%

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).