No rent data on file — verify locally before offering.
Why it works
Monthly profit +$831/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
+$831/mo
Pays you every month, net of costs
Price
$73K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$64K
Deposit + fees + refurb
5-yr return on cash 69%Rent est. $1,722 ($1,463–$2,027)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,463–$2,027/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $18,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $72,900 asking ($43,740). Raw model: $52,870–$99,150. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $54,675 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
+$831
after mortgage, operating costs & tax
Rent in$1,722/mo
$1,656Collected
$1,656/mo actually reaches you — the other $66 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$364Mortgage$527Costs$831Your profit
$831/mo left as profit · 50% of rent kept
Mortgage$364
Costs$527
Management$172
Maintenance$67
Insurance$20
CapEx reserve$86
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$831
Returns
Return before costson price28.35%
Cash returnon cash15.69%
Gross margin$1,129
Cash needed$63,605
Monthly profit payback6y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check2.13
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
$20,664
$6,321
$4,365
$0
$1,896
$8,082
$8,082
Year 2
$21,284
$6,511
$4,365
$0
$1,978
$8,430
$16,512
Year 3
$21,922
$6,706
$4,365
$0
$2,062
$8,789
$25,301
Year 4
$22,580
$6,908
$4,365
$0
$2,148
$9,160
$34,460
Year 5
$23,258
$7,115
$4,365
$0
$2,238
$9,540
$44,000
Year 5 disposal
Disposal gain (gross)-$41,323
CGT$0
Net Disposal proceeds$78,475
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6033.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$831/mo
Pays you every month, net of costs
Price
$73K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$64K
Deposit + fees + refurb
5-yr return on cash 69%Rent est. $1,722 ($1,463–$2,027)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,463–$2,027/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $18,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $72,900 asking ($43,740). Raw model: $52,870–$99,150. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $54,675 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
+$831
after mortgage, operating costs & tax
Rent in$1,722/mo
$1,656Collected
$1,656/mo actually reaches you — the other $66 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$364Mortgage$527Costs$831Your profit
$831/mo left as profit · 50% of rent kept
Mortgage$364
Costs$527
Management$172
Maintenance$67
Insurance$20
CapEx reserve$86
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$831
Returns
Return before costson price28.35%
Cash returnon cash15.69%
Gross margin$1,129
Cash needed$63,605
Monthly profit payback6y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check2.13
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
$20,664
$6,321
$4,365
$0
$1,896
$8,082
$8,082
Year 2
$21,284
$6,511
$4,365
$0
$1,978
$8,430
$16,512
Year 3
$21,922
$6,706
$4,365
$0
$2,062
$8,789
$25,301
Year 4
$22,580
$6,908
$4,365
$0
$2,148
$9,160
$34,460
Year 5
$23,258
$7,115
$4,365
$0
$2,238
$9,540
$44,000
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$64K
25% deposit$18,225
Refurb$43,740
Legal + survey$1,700
Mortgage + broker$2,094
Cash needed$63,605
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