No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,185/mo from completion — the no.1 reason to invest
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
+$1K/mo
Pays you every month, net of costs
Price
$70K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$62K
Deposit + fees + refurb
5-yr return on cash 101%Rent est. $2,182 ($1,843–$2,583)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,843–$2,583/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $17,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $69,900 asking ($41,940). Raw model: $88,780–$165,840. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $52,425 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
+$1,185
after mortgage, operating costs & tax
Rent in$2,182/mo
$2,098Collected
$2,098/mo actually reaches you — the other $84 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$648Costs$1,185Your profit
$1,185/mo left as profit · 56% of rent kept
Mortgage$349
Costs$648
Management$218
Maintenance$67
Insurance$20
CapEx reserve$109
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,185
Returns
Return before costson price37.46%
Cash returnon cash23.06%
Gross margin$1,450
Cash needed$61,687
Monthly profit payback4y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check2.61
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
$26,184
$7,776
$4,185
$0
$2,702
$11,520
$11,520
Year 2
$26,970
$8,010
$4,185
$0
$2,807
$11,968
$23,488
Year 3
$27,779
$8,250
$4,185
$0
$2,915
$12,428
$35,916
Year 4
$28,612
$8,497
$4,185
$0
$3,027
$12,902
$48,819
Year 5
$29,470
$8,752
$4,185
$0
$3,141
$13,392
$62,210
Year 5 disposal
Disposal gain (gross)-$39,692
CGT$0
Net Disposal proceeds$75,246
What we verified
What we verified
2 total · click to expand
11001 ok · 1 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5305.7 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$70K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$62K
Deposit + fees + refurb
5-yr return on cash 101%Rent est. $2,182 ($1,843–$2,583)
Bedrooms
5
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,843–$2,583/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $17,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $69,900 asking ($41,940). Raw model: $88,780–$165,840. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $52,425 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
+$1,185
after mortgage, operating costs & tax
Rent in$2,182/mo
$2,098Collected
$2,098/mo actually reaches you — the other $84 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$648Costs$1,185Your profit
$1,185/mo left as profit · 56% of rent kept
Mortgage$349
Costs$648
Management$218
Maintenance$67
Insurance$20
CapEx reserve$109
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,185
Returns
Return before costson price37.46%
Cash returnon cash23.06%
Gross margin$1,450
Cash needed$61,687
Monthly profit payback4y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check2.61
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
$26,184
$7,776
$4,185
$0
$2,702
$11,520
$11,520
Year 2
$26,970
$8,010
$4,185
$0
$2,807
$11,968
$23,488
Year 3
$27,779
$8,250
$4,185
$0
$2,915
$12,428
$35,916
Year 4
$28,612
$8,497
$4,185
$0
$3,027
$12,902
$48,819
Year 5
$29,470
$8,752
$4,185
$0
$3,141
$13,392
$62,210
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$62K
25% deposit$17,475
Refurb$41,940
Legal + survey$1,700
Mortgage + broker$2,049
Cash needed$61,687
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