-12.2% 5y IRR — capital outlay disproportionate to returns
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 →
Price
$5.95M
Return before costson price
3.10%
est rent $15,377not enough comparablesRange $8,725–$10,784/mo (Q1–Q3)
Cash needed
$1.87M
deposit + costs
Monthly profit
−$21K
net of mgmt + voids
5y Return on your cash
-65.9%
after tax
IRR
-12.2%
cash + capital
Rent Range
$8,725–$10,784
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $8,725–$10,784/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $1,487,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$21,079
after mortgage, operating costs & tax
Income
Monthly rent+$15,377
After 2wk voids: $14,786/mo
Outgoings
Mortgage-$29,689
Operating costs-$6,767
show breakdown ▾
Management (10% of rent)-$1,538
CapEx reserve (5% of rent)-$769
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.10%
Cash returnon cash-13.51%
Gross margin$8,019
Cash needed$1,872,055
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.32
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$184,524
$81,201
$356,269
$0
$0
-$252,946
-$252,946
Year 2
$190,060
$83,637
$356,269
$0
$0
-$249,847
-$502,793
Year 3
$195,762
$86,146
$356,269
$0
$0
-$246,654
-$749,447
Year 4
$201,634
$88,730
$356,269
$0
$0
-$243,365
-$992,812
Year 5
$207,683
$91,392
$356,269
$0
$0
-$239,978
-$1,232,790
Year 5 disposal
Disposal gain (gross)$88,214
CGT$19,627
Net Disposal proceeds$6,385,422
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 · 8283.7 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
3.10% Return before costs — around the area average for this property type.
Monthly profit −$21,079/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$6.0M
vs comparable
Return before costs
3.10%
est rent $15,377/monot enough comparablesRange $8,725–$10,784/mo (Q1–Q3)
Bedrooms
5
7 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $8,725–$10,784/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $1,487,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$21,079
after mortgage, operating costs & tax
Income
Monthly rent+$15,377
After 2wk voids: $14,786/mo
Outgoings
Mortgage-$29,689
Operating costs-$6,767
show breakdown ▾
Management (10% of rent)-$1,538
CapEx reserve (5% of rent)-$769
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.10%
Cash returnon cash-13.51%
Gross margin$8,019
Cash needed$1,872,055
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.32
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$62,475
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$1,232,790
Acquisition costs
$1.9M
25% deposit$1,487,500
Refurb$244,135
Legal + survey$3,700
Mortgage + broker$90,250
Cash needed$1,872,055
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice