No rent data on file — verify locally before offering.
Why it works
Monthly profit +$562/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
+$562/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 2770%Rent est. $887
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $300
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,200 asking ($720). Raw model: $44,370–$83,500. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $900 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
+$562
after mortgage, operating costs & tax
Rent in$887/mo
$853Collected
$853/mo actually reaches you — the other $34 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$319Costs$562Your profit
$562/mo left as profit · 66% of rent kept
Mortgage$6
Costs$319
Management$89
Maintenance$67
Insurance$20
CapEx reserve$44
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$562
Returns
Return before costson price887.00%
Cash returnon cash643.81%
Gross margin$534
Cash needed$1,048
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.94
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
$10,644
$3,825
$72
$0
$1,282
$5,465
$5,465
Year 2
$10,963
$3,940
$72
$0
$1,321
$5,631
$11,096
Year 3
$11,292
$4,058
$72
$0
$1,361
$5,801
$16,897
Year 4
$11,631
$4,180
$72
$0
$1,402
$5,977
$22,875
Year 5
$11,980
$4,305
$72
$0
$1,445
$6,158
$29,033
Year 5 disposal
Disposal gain (gross)-$2,352
CGT$0
Net Disposal proceeds$1,292
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 · 5852.5 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
Monthly cashflow
+$562/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 2770%Rent est. $887
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $300
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,200 asking ($720). Raw model: $44,370–$83,500. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $900 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
+$562
after mortgage, operating costs & tax
Rent in$887/mo
$853Collected
$853/mo actually reaches you — the other $34 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$319Costs$562Your profit
$562/mo left as profit · 66% of rent kept
Mortgage$6
Costs$319
Management$89
Maintenance$67
Insurance$20
CapEx reserve$44
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$562
Returns
Return before costson price887.00%
Cash returnon cash643.81%
Gross margin$534
Cash needed$1,048
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.94
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
$10,644
$3,825
$72
$0
$1,282
$5,465
$5,465
Year 2
$10,963
$3,940
$72
$0
$1,321
$5,631
$11,096
Year 3
$11,292
$4,058
$72
$0
$1,361
$5,801
$16,897
Year 4
$11,631
$4,180
$72
$0
$1,402
$5,977
$22,875
Year 5
$11,980
$4,305
$72
$0
$1,445
$6,158
$29,033
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
$1K
25% deposit$300
Refurb$720
Legal + survey$1,700
Mortgage + broker$1,018
Cash needed$1,048
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