Sold Terraced

82 CHATSWORTH STREET

BARROW-IN-FURNESS, CUMBRIA LA14 5TP

2 beds 818 sq ft Listed 12 Dec 2011 (-5347d)

£79,950

Offers in Region of

Reduced on 22 Feb 2012

Save

# 2 bedroom terraced house for sale (LA14 5TP)

## Property Details

| Key | Value |
|-----|-------|
| Address | 82 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA LA14 5TP |
| Price | £79,950 |
| Bedrooms | 2 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 76 m² |
| Last sold | £72,500 May 2012 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 03/10/2032
- **Current heating cost:** £430/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- 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/9000-2014-7603-2102-7035)

## Description

WELL PRESENTED FORECOURTED TERRACE PROPERTY

HALLWAY, LOUNGE, DINING ROOM, KITCHEN, 2 DOUBLE BEDROOMS

BATHROOM, CENTRAL HEATING/DOUBLE GLAZING, REAR YARD

VIEWING HIGHLY RECOMMENDED TO APPRECIATE STANDARD ON OFFER

We are delighted to bring to the market this well presented forecourted mid terrace property in a popular location off Holker Street. The property comprises of vestibule, hallway, dining room, lounge, kitchen, 2 double bedrooms and a bathroom. The property benefits from central heating, double glazing, some original features and rear yard. Viewing highly recommended. Suit a variety of buyers.

**Ground floor**  Double glazed feature entrance door leading to:-

**Vestibule**  Dado rail, coved ceiling, tiled flooring. Door to:-

**Hallway**  Radiator, dado rail, tiled flooring, coved ceiling, stairs to first floor. Door to:-

**Dining room**10'6" (3.2m) approx (into recess) c 13'1" (3.99m) approx (from archway).  Double glazed window, radiator, coved ceiling, dado. Door to kitchen:- Archway to:-

**Lounge**10'5" (3.18m) approx (into recess) x 12'2" (3.7m) approx (from archway).  Double glazed window, radiator, feature fire surround with open fire, storage cupboards, coved ceiling.

**Kitchen**  Double glazed window, double glazed frosted door leading to rear yard. Fitted with wall, base drawer units with work tops to complement. Inset stainless steel sink unit with feature mixer tap. cooker point, plumb for washer, tiled splash area, understairs storage and tiled flooring.

**First floor**  Landing, dado rail, storage cupboard, access to loft with pull down ladder, doors to:-

**Loft**  Velux window.

**Bathroom**  Double glazed frosted window, 3 piece suite, shaped pedestal hand wash basin with feature mixer taps. Panelled enclosed bath with shower over, WC, part panelled walls, coved ceiling, laminate flooring, storage cupboard (housing boiler).

**Bedroom 1**12'2" (3.7m) approx (max) x 14' (4.27m) approx (into recess).  Double glazed window, radiator.

**Bedroom 2**13'2" (4.01m) approx (max) x 8'3" (2.51m) approx (into recess).  Double glazed window, radiator, part panelled walls, shelving.

**Rear yard**  Access gate, paved area.

## Property Photos

- ![Photo](/listings/photos/36152315/1232048)
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- ![Photo](/listings/photos/36152315/1232086)
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## FENSA Certificates

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

### FENSA Certificate #3520094
- **Address:** 82 Chatsworth Street, BARROW-IN-FURNESS, LA14 5TP
- **Certificate Issued:** 06/03/2006
- **Work Completed:** 10/02/2006
- **Items:** 2 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 82 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £72,500 | 21/05/2012 | Terraced |

## 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 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TT | £85,000 | 19/01/2026 | Terraced |
| 126 HARTINGTON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TW | £162,500 | 06/01/2026 | Terraced |
| [Same street] 60 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TP | £97,500 | 18/12/2025 | Semi-detached |
| 183 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RS | £106,000 | 16/12/2025 | Terraced |
| 136 ANSON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TH | £120,500 | 12/12/2025 | Terraced |
| 33 PARRY STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TF | £77,500 | 08/12/2025 | Terraced |
| [Same street] 96 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TP | £125,000 | 28/11/2025 | Terraced |
| 18 PARKER STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RN | £88,000 | 18/11/2025 | Terraced |
| 18 HOWE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TL | £98,000 | 28/10/2025 | Terraced |
| 160 HOLKER STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RU | £159,000 | 24/10/2025 | Terraced |
| 138 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RX | £175,000 | 31/07/2025 | Terraced |
| 8 PARRY STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TF | £89,950 | 26/06/2025 | Terraced |
| 155 ANSON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TQ | £80,000 | 08/01/2025 | Terraced |
| 94 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5UE | £122,000 | 06/01/2025 | Terraced |
| 2 ADELAIDE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TX | £82,000 | 07/12/2023 | Terraced |
| 68 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TU | £62,000 | 30/11/2023 | Terraced |
| 104 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5UE | £125,000 | 29/11/2023 | Terraced |
| 163 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RS | £143,158 | 23/11/2023 | Terraced |
| 160 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RR | £115,000 | 16/10/2023 | Terraced |
| 42 DUNDAS STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RP | £60,000 | 10/10/2023 | Terraced |
| 27 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TT | £80,500 | 29/09/2023 | Terraced |
| 6 EXMOUTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TN | £110,000 | 31/08/2023 | Terraced |
| [Same street] 50 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £150,000 | 15/12/2022 | Terraced |
| [Same street] 64 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £100,000 | 01/11/2022 | Terraced |
| [Same street] 96 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £99,950 | 27/10/2022 | Terraced |
| [Same street] 80 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £125,000 | 23/09/2022 | Terraced |
| [Same street] 116 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £123,000 | 22/12/2021 | Terraced |
| [Same street] 50 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £90,000 | 19/11/2021 | Terraced |
| [Same street] 74 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP | £88,550 | 17/09/2021 | Terraced |

**Street average:** £111,000 (9 sales)
**Area average:** £107,055 (20 sales)

## Price vs local average

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

- **Local average:** £114,837 (122 Terraced, LA14, 2024–2026)
- **Deviation:** -30.4%

## Rental Range

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

- **Low:** £865/mo
- **Realistic:** £961/mo
- **Optimistic:** £1,057/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Barrow-in-Furness (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £499/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 Terraced House, Napier St, LA14 | £675/mo | 2 | 0.29 miles | OpenRent |

**Average rent: £675/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.84% (okay)
- **Max investor price (0.8%):** £84,375
- **Target investor price (1%):** £67,500

*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 £675/mo).*

- **Gross yield:** 10.1%
- **Cost-to-rent:** 9.9×
- **Monthly cashflow:** £268/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 13.9%

*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:** £1,052/m²

## Capital growth trend

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

- **5y growth:** 8.5%
- **10y growth:** 28%

## House Price Index (HM Land Registry)

*Official index for North West; Terraced series; as of April 2026.*

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## 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

76 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£72,500 May 2012

Price per m²

£1,052/m²

Local average

£114,837 (-30.4%)

Deprivation

Decile 3 (9,569 of 33,755)

Street crime

330 incidents within 1 mile (May 2026)

Additional details

Garden: Yes

Description

WELL PRESENTED FORECOURTED TERRACE PROPERTY
HALLWAY, LOUNGE, DINING ROOM, KITCHEN, 2 DOUBLE BEDROOMS
BATHROOM, CENTRAL HEATING/DOUBLE GLAZING, REAR YARD
VIEWING HIGHLY RECOMMENDED TO APPRECIATE STANDARD ON OFFER

We are delighted to bring to the market this well presented forecourted mid terrace property in a popular location off Holker Street. The property comprises of vestibule, hallway, dining room, lounge, kitchen, 2 double bedrooms and a bathroom. The property benefits from central heating, double glazing, some original features and rear yard. Viewing highly recommended. Suit a variety of buyers.

Ground floor Double glazed feature entrance door leading to:-

Vestibule Dado rail, coved ceiling, tiled flooring. Door to:-

Hallway Radiator, dado rail, tiled flooring, coved ceiling, stairs to first floor. Door to:-

Dining room10'6" (3.2m) approx (into recess) c 13'1" (3.99m) approx (from archway). Double glazed window, radiator, coved ceiling, dado. Door to kitchen:- Archway to:-

Lounge10'5" (3.18m) approx (into recess) x 12'2" (3.7m) approx (from archway). Double glazed window, radiator, feature fire surround with open fire, storage cupboards, coved ceiling.

Kitchen Double glazed window, double glazed frosted door leading to rear yard. Fitted with wall, base drawer units with work tops to complement. Inset stainless steel sink unit with feature mixer tap. cooker point, plumb for washer, tiled splash area, understairs storage and tiled flooring.

First floor Landing, dado rail, storage cupboard, access to loft with pull down ladder, doors to:-

Loft Velux window.

Bathroom Double glazed frosted window, 3 piece suite, shaped pedestal hand wash basin with feature mixer taps. Panelled enclosed bath with shower over, WC, part panelled walls, coved ceiling, laminate flooring, storage cupboard (housing boiler).

Bedroom 112'2" (3.7m) approx (max) x 14' (4.27m) approx (into recess). Double glazed window, radiator.

Bedroom 213'2" (4.01m) approx (max) x 8'3" (2.51m) approx (into recess). Double glazed window, radiator, part panelled walls, shelving.

Rear yard Access gate, paved area.

Listed by

Covering Barrow

Hunters Property Group Ltd

Reference: 36152315

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 04/10/2022

Expiry date: 03/10/2032

Current heating cost: £430/year

Potential heating cost: £430/year

Est. upgrade cost to C: £9,500

Recommendations

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)

FENSA Certificates

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

FENSA Certificate #3520094

Property Details

Street: 82 Chatsworth Street

Town: BARROW-IN-FURNESS

Postcode: LA14 5TP

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 06/03/2006

Work Completed: 10/02/2006

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

Event	Date	Price	% change
Sold	21/05/2012 (14 years ago)	£72,500	—

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
1 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TT	£85,000	19/01/2026	Terraced
126 HARTINGTON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TW	£162,500	06/01/2026	Terraced
Same street 60 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TP	£97,500	18/12/2025	Semi-detached
183 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RS	£106,000	16/12/2025	Terraced
136 ANSON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TH	£120,500	12/12/2025	Terraced
33 PARRY STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TF	£77,500	08/12/2025	Terraced
Same street 96 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TP	£125,000	28/11/2025	Terraced
18 PARKER STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RN	£88,000	18/11/2025	Terraced
18 HOWE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TL	£98,000	28/10/2025	Terraced
160 HOLKER STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RU	£159,000	24/10/2025	Terraced
138 CHATSWORTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RX	£175,000	31/07/2025	Terraced
8 PARRY STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TF	£89,950	26/06/2025	Terraced
155 ANSON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TQ	£80,000	08/01/2025	Terraced
94 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5UE	£122,000	06/01/2025	Terraced
2 ADELAIDE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TX	£82,000	07/12/2023	Terraced
68 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TU	£62,000	30/11/2023	Terraced
104 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5UE	£125,000	29/11/2023	Terraced
163 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RS	£143,158	23/11/2023	Terraced
160 BLAKE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RR	£115,000	16/10/2023	Terraced
42 DUNDAS STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5RP	£60,000	10/10/2023	Terraced
27 MELBOURNE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TT	£80,500	29/09/2023	Terraced
6 EXMOUTH STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5TN	£110,000	31/08/2023	Terraced
Same street 50 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£150,000	15/12/2022	Terraced
Same street 64 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£100,000	01/11/2022	Terraced
Same street 96 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£99,950	27/10/2022	Terraced
Same street 80 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£125,000	23/09/2022	Terraced
Same street 116 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£123,000	22/12/2021	Terraced
Same street 50 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£90,000	19/11/2021	Terraced
Same street 74 CHATSWORTH STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5TP	£88,550	17/09/2021	Terraced

Street average: £111,000 (9 sales)

Area average: £107,055 (20 sales)

Capital growth trend

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

5y growth 8.5%

10y growth 28%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: Terraced. As of April 2026.

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

Rental Range

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

Low £865/mo

Realistic £961/mo

Optimistic £1,057/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for Barrow-in-Furness: £499/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View LA14 5TP

Nearby

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

Type	Name	Distance
Bus stop	St James Parish Church	0.1 miles
Bus stop	The Queens Head Hotel	0.2 miles
Shop	Toolstation	0.3 miles
Shop	Screwfix	0.3 miles
Train station	Barrow-in-Furness	0.4 miles
Hospital	Furness General Hospital	1.6 miles
Train station	Roose	1.7 miles
Hospital	Unknown	7.8 miles

Street-level crime

Category	Count
Violence and sexual offences	139
Shoplifting	45
Criminal damage and arson	29
Public order	29
Burglary	17
Drugs	16
Other theft	15
Anti-social behaviour	13
Possession of weapons	8
Other crime	6
Vehicle crime	5
Bicycle theft	4
Robbery	2
Theft from the person	2
Total incidents	330

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
Hindpool Nursery School	Nursery	0.1 miles	— (Inspected (no overall grade))
St James' CofE Junior School	Primary	0.1 miles	Good — 23 Apr 2012
Brisbane Park Infant School	Primary	0.1 miles	Good — 16 Jul 2024
Furness College	Other	0.3 miles	— (No rating)
Ramsden Infant School	Primary	0.6 miles	Good — 25 Jan 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 Terraced House, Napier St, LA14	£675/mo	2	0.29 miles	OpenRent

Average rent: £675/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.84%

Max investor price (0.8%) £84,375

Target investor price (1%) £67,500

Gross yield 10.1%

Cost-to-rent ratio 9.9×

Monthly cashflow £268/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 13.9%

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).