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
−$3K/mo
You top up $3K/mo
Price
$695K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$617K
Deposit + fees + refurb
Return before costson price4.02%5-yr return on cash -27%Rent est. $2,328 ($1,979–$2,739)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,979–$2,739/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $173,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $695,000 asking ($417,000). Raw model: $234,265–$435,755. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $521,250 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
-$2,846
after mortgage, operating costs & tax
Rent in$2,328/mo
$2,238Collected
$2,238/mo actually reaches you — the other $90 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,468Mortgage$1,707Costs
Outgoings exceed rent — you top up $2,846/mo
Mortgage$3,468
Costs$1,707
Management$233
Maintenance$67
Insurance$40
CapEx reserve$116
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$2,846
Returns
Return before costson price4.02%
Cash returnon cash-5.54%
Gross margin$532
Cash needed$616,813
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.34
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
$27,936
$20,478
$41,615
$0
$0
-$34,157
-$34,157
Year 2
$28,774
$21,093
$41,615
$0
$0
-$33,933
-$68,090
Year 3
$29,637
$21,725
$41,615
$0
$0
-$33,703
-$101,793
Year 4
$30,526
$22,377
$41,615
$0
$0
-$33,466
-$135,259
Year 5
$31,442
$23,049
$41,615
$0
$0
-$33,221
-$168,480
Year 5 disposal
Disposal gain (gross)-$380,647
CGT$0
Net Disposal proceeds$748,153
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4891 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
4.02% Return before costs — around the area average for this property type.
Monthly profit −$2,846/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$695K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$617K
Deposit + fees + refurb
Return before costson price4.02%5-yr return on cash -27%Rent est. $2,328 ($1,979–$2,739)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,979–$2,739/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $173,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $695,000 asking ($417,000). Raw model: $234,265–$435,755. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $521,250 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
-$2,846
after mortgage, operating costs & tax
Rent in$2,328/mo
$2,238Collected
$2,238/mo actually reaches you — the other $90 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$3,468Mortgage$1,707Costs
Outgoings exceed rent — you top up $2,846/mo
Mortgage$3,468
Costs$1,707
Management$233
Maintenance$67
Insurance$40
CapEx reserve$116
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$2,846
Returns
Return before costson price4.02%
Cash returnon cash-5.54%
Gross margin$532
Cash needed$616,813
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.34
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
$27,936
$20,478
$41,615
$0
$0
-$34,157
-$34,157
Year 2
$28,774
$21,093
$41,615
$0
$0
-$33,933
-$68,090
Year 3
$29,637
$21,725
$41,615
$0
$0
-$33,703
-$101,793
Year 4
$30,526
$22,377
$41,615
$0
$0
-$33,466
-$135,259
Year 5
$31,442
$23,049
$41,615
$0
$0
-$33,221
-$168,480
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
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
$617K
25% deposit$173,750
Refurb$417,000
Legal + survey$2,900
Mortgage + broker$11,425
Cash needed$616,813
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