Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-02T04:00:05.857782+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T14:29:37.308914+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:17:39.804007+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T11:19:07.940222+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 4mo agoSchools: stale, refreshed 4mo ago (2026-07-07T09:14:45.605452+00:00)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
70
/ 100
Mixed
Verdict
3 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
17 of 21 sources
Sale Estimate
£152,000
£137k - £168kMedium
Estimate
£152k
Range
£137k – £168k
Rent Estimate (pcm)
£1,200
£1k - £1k
Monthly
£1,200
Yield
10.29%
Verdict
Derived from HomePortfolio scores
69 Riverstone Drive earns an INVESTIGATE rating with HP Score 70/100. Investment score 56/100 reflects moderate fundamentals. Walkability is limited (63/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
No registered title polygon, building footprint, or street match for this property yet.
Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN
Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN
Opportunity
Why this could be an opportunity
67
High confidence3 independent sourcesListing checked 2 Nov 2026
Every component scored, and three or more independent sources agree.
Valuation edge2.5/15
claims [AVM +7.9% (MEDIUM), sold-comps +18.1%, £/sqft +18.1%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
valuation_snapshotsestimate for 77043402· as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%· as of 31 Oct 2026
Rental economics38/40
gross yield 10.3%; range width penalty ×0.95
valuation_snapshotsrent estimate 1200/mo (range 1100-1250)· as of 12 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin13.4/30
stressed cash flow +161/mo, +13% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 65 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
portal_listingsprice_changes + first_published_date· as of 2 Nov 2026
Risk & liquidity12.8/15
215 sales/12mo in area; valuation range width 20%
property_intelligencetransactions_12mo
4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.
Economics
What happens to your money
Price sensitivityScores 70+ up to £129,500
£105,000£161,000
The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.
Your assumptions
£140,000
At the asking price
£1,200/mo
Evidenced range £1,100-£1,250
5.4%
75%
Cash required
£43,600
Net cash flow
£358/mo
Cash on cash
9.9%
Score at this price
67
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.54 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.
Evidence
Where every number comes from
valuation_snapshotsestimate for 77043402Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1200/mo (range 1100-1250)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
Risks
What could kill this deal
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1100-1250)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
Seller motivation could not be scored
context, not scored: 0 price cut(s), 65 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
Plan
Before you offer
1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Set your walk-away price before viewing - above £129,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026