No rent data on file — verify locally before offering.
Why it works
Monthly profit +$4,254/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
+$4K/mo
Pays you every month, net of costs
Price
$349K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$243K
Deposit + fees + refurb
5-yr return on cash 92%Rent est. $7,891 ($6,708–$9,283)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,708–$9,283/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $87,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $101,340–$189,030 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $261,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$4,254
after mortgage, operating costs & tax
Rent in$7,891/mo
$7,588Collected
$7,588/mo actually reaches you — the other $304 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,741Mortgage$1,896Costs$4,254Your profit
$4,254/mo left as profit · 56% of rent kept
Mortgage$1,741
Costs$1,896
Management$789
Maintenance$67
Insurance$28
CapEx reserve$395
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$4,254
Returns
Return before costson price27.13%
Cash returnon cash21.03%
Gross margin$5,692
Cash needed$242,731
Monthly profit payback4y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check2.57
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
$94,692
$22,752
$20,897
$0
$9,776
$41,267
$41,267
Year 2
$97,533
$23,434
$20,897
$0
$10,348
$42,853
$84,120
Year 3
$100,459
$24,137
$20,897
$0
$10,937
$44,487
$128,607
Year 4
$103,473
$24,862
$20,897
$0
$11,544
$46,170
$174,777
Year 5
$106,577
$25,607
$20,897
$0
$12,169
$47,903
$222,680
Year 5 disposal
Disposal gain (gross)-$127,624
CGT$0
Net Disposal proceeds$375,691
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6539.9 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
+$4K/mo
Pays you every month, net of costs
Price
$349K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$243K
Deposit + fees + refurb
5-yr return on cash 92%Rent est. $7,891 ($6,708–$9,283)
Bedrooms
5
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,708–$9,283/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $87,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $101,340–$189,030 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $261,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$4,254
after mortgage, operating costs & tax
Rent in$7,891/mo
$7,588Collected
$7,588/mo actually reaches you — the other $304 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,741Mortgage$1,896Costs$4,254Your profit
$4,254/mo left as profit · 56% of rent kept
Mortgage$1,741
Costs$1,896
Management$789
Maintenance$67
Insurance$28
CapEx reserve$395
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$4,254
Returns
Return before costson price27.13%
Cash returnon cash21.03%
Gross margin$5,692
Cash needed$242,731
Monthly profit payback4y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check2.57
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
$94,692
$22,752
$20,897
$0
$9,776
$41,267
$41,267
Year 2
$97,533
$23,434
$20,897
$0
$10,348
$42,853
$84,120
Year 3
$100,459
$24,137
$20,897
$0
$10,937
$44,487
$128,607
Year 4
$103,473
$24,862
$20,897
$0
$11,544
$46,170
$174,777
Year 5
$106,577
$25,607
$20,897
$0
$12,169
$47,903
$222,680
What we verified
3 total
3000
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$243K
25% deposit$87,250
Refurb$145,185
Legal + survey$2,150
Mortgage + broker$6,235
Cash needed$242,731
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice