Real 7.49% return before costs but flagged risks need pricing in.
Why it works
7.49% return before costs — above-market
Why to be cautious
Monthly profit −$462/mo — significantly negative — real recurring drain
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
−$462/mo
You top up $462/mo
Price
$515K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$339K
Deposit + fees + refurb
Return before costson price7.49%5-yr return on cash -6%Rent est. $3,216 ($2,910–$3,554)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,910–$3,554/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $128,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $138,120–$257,200 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $386,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$462
after mortgage, operating costs & tax
Rent in$3,216/mo
$3,092Collected
$3,092/mo actually reaches you — the other $124 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,570Mortgage$1,108Costs
Outgoings exceed rent — you top up $462/mo
Mortgage$2,570
Costs$1,108
Management$322
Maintenance$67
Insurance$40
CapEx reserve$161
Voids + council tax$9
Ltd co. accounts$104
Tax—
Shortfall−$462
Returns
Return before costson price7.49%
Cash returnon cash-1.63%
Gross margin$1,984
Cash needed$339,028
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.73
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
$38,592
$13,296
$30,837
$0
$0
-$5,541
-$5,541
Year 2
$39,750
$13,695
$30,837
$0
$0
-$4,782
-$10,323
Year 3
$40,942
$14,106
$30,837
$0
$0
-$4,000
-$14,323
Year 4
$42,171
$14,529
$30,837
$0
$0
-$3,195
-$17,519
Year 5
$43,436
$14,965
$30,837
$0
$0
-$2,366
-$19,885
Year 5 disposal
Disposal gain (gross)-$171,473
CGT$0
Net Disposal proceeds$554,387
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 · 6048.3 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price7.49%5-yr return on cash -6%Rent est. $3,216 ($2,910–$3,554)
Bedrooms
5
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,910–$3,554/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $128,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $138,120–$257,200 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $386,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$462
after mortgage, operating costs & tax
Rent in$3,216/mo
$3,092Collected
$3,092/mo actually reaches you — the other $124 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,570Mortgage$1,108Costs
Outgoings exceed rent — you top up $462/mo
Mortgage$2,570
Costs$1,108
Management$322
Maintenance$67
Insurance$40
CapEx reserve$161
Voids + council tax$9
Ltd co. accounts$104
Tax—
Shortfall−$462
Returns
Return before costson price7.49%
Cash returnon cash-1.63%
Gross margin$1,984
Cash needed$339,028
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.73
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
$38,592
$13,296
$30,837
$0
$0
-$5,541
-$5,541
Year 2
$39,750
$13,695
$30,837
$0
$0
-$4,782
-$10,323
Year 3
$40,942
$14,106
$30,837
$0
$0
-$4,000
-$14,323
Year 4
$42,171
$14,529
$30,837
$0
$0
-$3,195
-$17,519
Year 5
$43,436
$14,965
$30,837
$0
$0
-$2,366
-$19,885
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$339K
25% deposit$128,750
Refurb$197,660
Legal + survey$2,900
Mortgage + broker$8,725
Cash needed$339,028
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