Real 11.09% return before costs with manageable risks.
Why it works
11.09% return before costs — above-market
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
+$125/mo
Barely breaks even each month
Price
$165K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$144K
Deposit + fees + refurb
Return before costson price11.09%5-yr return on cash 6%Rent est. $1,525 ($1,297–$1,793)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,297–$1,793/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $41,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,000 asking ($99,000). Raw model: $78,910–$147,510. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,750 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
+$125
after mortgage, operating costs & tax
Rent in$1,525/mo
$1,466Collected
$1,466/mo actually reaches you — the other $59 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$823Mortgage$576Costs
$125/mo left as profit · 9% of rent kept
Mortgage$823
Costs$576
Management$153
Maintenance$67
Insurance$20
CapEx reserve$76
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$125
Returns
Return before costson price11.09%
Cash returnon cash1.05%
Gross margin$890
Cash needed$143,963
Monthly profit payback95y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check0.96
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
$18,300
$6,915
$9,880
$0
$286
$1,219
$1,219
Year 2
$18,849
$7,123
$9,880
$0
$351
$1,495
$2,714
Year 3
$19,414
$7,337
$9,880
$0
$418
$1,780
$4,495
Year 4
$19,997
$7,557
$9,880
$0
$487
$2,074
$6,568
Year 5
$20,597
$7,783
$9,880
$0
$557
$2,377
$8,945
Year 5 disposal
Disposal gain (gross)-$91,381
CGT$0
Net Disposal proceeds$177,619
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6692.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price11.09%5-yr return on cash 6%Rent est. $1,525 ($1,297–$1,793)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,297–$1,793/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $41,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,000 asking ($99,000). Raw model: $78,910–$147,510. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,750 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
+$125
after mortgage, operating costs & tax
Rent in$1,525/mo
$1,466Collected
$1,466/mo actually reaches you — the other $59 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$823Mortgage$576Costs
$125/mo left as profit · 9% of rent kept
Mortgage$823
Costs$576
Management$153
Maintenance$67
Insurance$20
CapEx reserve$76
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$125
Returns
Return before costson price11.09%
Cash returnon cash1.05%
Gross margin$890
Cash needed$143,963
Monthly profit payback95y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check0.96
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
$18,300
$6,915
$9,880
$0
$286
$1,219
$1,219
Year 2
$18,849
$7,123
$9,880
$0
$351
$1,495
$2,714
Year 3
$19,414
$7,337
$9,880
$0
$418
$1,780
$4,495
Year 4
$19,997
$7,557
$9,880
$0
$487
$2,074
$6,568
Year 5
$20,597
$7,783
$9,880
$0
$557
$2,377
$8,945
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
$144K
25% deposit$41,250
Refurb$99,000
Legal + survey$1,700
Mortgage + broker$3,475
Cash needed$143,963
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