No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,124/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
+$1K/mo
Pays you every month, net of costs
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 2110%Rent est. $1,592
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $788
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,150 asking ($1,890). Raw model: $70,790–$132,430. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,362.5 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
+$1,124
after mortgage, operating costs & tax
Rent in$1,592/mo
$1,531Collected
$1,531/mo actually reaches you — the other $61 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$452Costs$1,124Your profit
$1,124/mo left as profit · 73% of rent kept
Mortgage$16
Costs$452
Management$159
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,124
Returns
Return before costson price606.48%
Cash returnon cash490.22%
Gross margin$1,078
Cash needed$2,751
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check6.63
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
$19,104
$5,427
$189
$0
$2,563
$10,925
$10,925
Year 2
$19,677
$5,590
$189
$0
$2,641
$11,257
$22,182
Year 3
$20,267
$5,758
$189
$0
$2,721
$11,600
$33,782
Year 4
$20,875
$5,931
$189
$0
$2,804
$11,952
$45,734
Year 5
$21,502
$6,109
$189
$0
$2,889
$12,315
$58,049
Year 5 disposal
Disposal gain (gross)-$3,412
CGT$0
Net Disposal proceeds$3,391
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 2-bath · 1450 sqft · London ×1.4
$48k–$91k
$ per sqft
building cost only
$33–$63
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$4,640–$10,440
2 × bathroom · Full strip + retile$8,400–$16,800
Paint + decor$14,500–$26,100
Flooring · Carpet on bedrooms + LVT/laminate downstairs$20,300–$37,700
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history94d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$1,124/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
606.48%
+$1,124
$2,751
2109.8%
Low
Feasible
Refurb & refinance
606.48%
+$1,124
$3,381
1716.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$152
$5,673
-78%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$2,751cash needed
Purchase price$3,150
Deposit (25%)$788
Refurb$1,890
Legal + survey$1,700
Mortgage fees$1,047
Total cash neededdeposit + costs (loan covers the rest)$2,751
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: KY
Effective rate0.10%
Total at sale$3
Flat 0.10% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 2110%Rent est. $1,592
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $788
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,150 asking ($1,890). Raw model: $70,790–$132,430. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,362.5 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
+$1,124
after mortgage, operating costs & tax
Rent in$1,592/mo
$1,531Collected
$1,531/mo actually reaches you — the other $61 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$452Costs$1,124Your profit
$1,124/mo left as profit · 73% of rent kept
Mortgage$16
Costs$452
Management$159
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,124
Returns
Return before costson price606.48%
Cash returnon cash490.22%
Gross margin$1,078
Cash needed$2,751
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check6.63
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
$19,104
$5,427
$189
$0
$2,563
$10,925
$10,925
Year 2
$19,677
$5,590
$189
$0
$2,641
$11,257
$22,182
Year 3
$20,267
$5,758
$189
$0
$2,721
$11,600
$33,782
Year 4
$20,875
$5,931
$189
$0
$2,804
$11,952
$45,734
Year 5
$21,502
$6,109
$189
$0
$2,889
$12,315
$58,049
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$3K
25% deposit$788
Refurb$1,890
Legal + survey$1,700
Mortgage + broker$1,047
Cash needed$2,751
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