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
−$981/mo
You top up $981/mo
Price
$125K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$110K
Deposit + fees + refurb
5-yr return on cash -55%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $31,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $124,900 asking ($74,940). Raw model: $42,690–$80,380. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $93,675 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
-$981
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$623Mortgage$358Costs
Outgoings exceed rent — you top up $981/mo
Mortgage$623
Costs$358
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$981
Returns
Return before costson price0.00%
Cash returnon cash-10.71%
Gross margin-$358
Cash needed$109,912
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
Rent-covers-mortgage check FAIL (need ≥ 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
$0
$4,298
$7,479
$0
$0
-$11,777
-$11,777
Year 2
$0
$4,427
$7,479
$0
$0
-$11,906
-$23,682
Year 3
$0
$4,560
$7,479
$0
$0
-$12,038
-$35,721
Year 4
$0
$4,697
$7,479
$0
$0
-$12,175
-$47,896
Year 5
$0
$4,837
$7,479
$0
$0
-$12,316
-$60,212
Year 5 disposal
Disposal gain (gross)-$69,586
CGT$0
Net Disposal proceeds$134,452
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4983.2 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Monthly profit −$981/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$981/mo
You top up $981/mo
Price
$125K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$110K
Deposit + fees + refurb
5-yr return on cash -55%
Bedrooms
—
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $31,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $124,900 asking ($74,940). Raw model: $42,690–$80,380. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $93,675 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
-$981
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$623Mortgage$358Costs
Outgoings exceed rent — you top up $981/mo
Mortgage$623
Costs$358
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$981
Returns
Return before costson price0.00%
Cash returnon cash-10.71%
Gross margin-$358
Cash needed$109,912
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
Rent-covers-mortgage check FAIL (need ≥ 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
$0
$4,298
$7,479
$0
$0
-$11,777
-$11,777
Year 2
$0
$4,427
$7,479
$0
$0
-$11,906
-$23,682
Year 3
$0
$4,560
$7,479
$0
$0
-$12,038
-$35,721
Year 4
$0
$4,697
$7,479
$0
$0
-$12,175
-$47,896
Year 5
$0
$4,837
$7,479
$0
$0
-$12,316
-$60,212
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing