Monthly profit +$816/mo from completion — the no.1 reason to invest
18.97% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
+$816/mo
Pays you every month, net of costs
Price
$135K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$118K
Deposit + fees + refurb
Return before costson price18.97%5-yr return on cash 37%Rent est. $2,134 ($1,552–$2,934)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,552–$2,934/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $33,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $135,000 asking ($81,000). Raw model: $52,030–$97,590. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $101,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$816
after mortgage, operating costs & tax
Rent in$2,134/mo
$2,052Collected
$2,052/mo actually reaches you — the other $82 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$674Mortgage$644Costs$816Your profit
$816/mo left as profit · 40% of rent kept
Mortgage$674
Costs$644
Management$213
Maintenance$67
Insurance$20
CapEx reserve$107
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$816
Returns
Return before costson price18.97%
Cash returnon cash8.29%
Gross margin$1,407
Cash needed$118,058
Monthly profit payback12y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.63
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$25,608
$7,733
$8,083
$0
$1,860
$7,931
$7,931
Year 2
$26,376
$7,965
$8,083
$0
$1,962
$8,366
$16,297
Year 3
$27,168
$8,204
$8,083
$0
$2,067
$8,813
$25,110
Year 4
$27,983
$8,450
$8,083
$0
$2,175
$9,274
$34,384
Year 5
$28,822
$8,704
$8,083
$0
$2,287
$9,748
$44,132
Year 5 disposal
Disposal gain (gross)-$75,075
CGT$0
Net Disposal proceeds$145,325
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5809.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
18.97% Return before costs — above-market
Monthly cashflow
+$816/mo
Pays you every month, net of costs
Price
$135K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$118K
Deposit + fees + refurb
Return before costson price18.97%5-yr return on cash 37%Rent est. $2,134 ($1,552–$2,934)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,552–$2,934/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $33,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $135,000 asking ($81,000). Raw model: $52,030–$97,590. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $101,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$816
after mortgage, operating costs & tax
Rent in$2,134/mo
$2,052Collected
$2,052/mo actually reaches you — the other $82 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$674Mortgage$644Costs$816Your profit
$816/mo left as profit · 40% of rent kept
Mortgage$674
Costs$644
Management$213
Maintenance$67
Insurance$20
CapEx reserve$107
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$816
Returns
Return before costson price18.97%
Cash returnon cash8.29%
Gross margin$1,407
Cash needed$118,058
Monthly profit payback12y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.63
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$25,608
$7,733
$8,083
$0
$1,860
$7,931
$7,931
Year 2
$26,376
$7,965
$8,083
$0
$1,962
$8,366
$16,297
Year 3
$27,168
$8,204
$8,083
$0
$2,067
$8,813
$25,110
Year 4
$27,983
$8,450
$8,083
$0
$2,175
$9,274
$34,384
Year 5
$28,822
$8,704
$8,083
$0
$2,287
$9,748
$44,132
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$118K
25% deposit$33,750
Refurb$81,000
Legal + survey$1,700
Mortgage + broker$3,025
Cash needed$118,058
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice