No rent data on file — verify locally before offering.
Why it works
Monthly profit +$731/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 →
Price
$65K
Return before costson price
—
est rent $1,540not enough comparablesRange $1,439–$1,648/mo (Q1–Q3)
Cash needed
$57K
deposit + costs
Monthly profit
+$731
net of mgmt + voids
5y Return on your cash
68.1%
after tax
IRR
—
cash + capital
Rent Range
$1,439–$1,648
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,439–$1,648/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $16,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $65,000 asking ($39,000). Raw model: $81,190–$151,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $48,750 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
+$731
after mortgage, operating costs & tax
Rent in$1,481/mo
Where it goes
$324$485$731
$731/mo left as profit · 49% of rent kept
Mortgage$324
Costs$485
Management$154
Maintenance$67
Insurance$20
CapEx reserve$77
Voids + council tax$5
Tax—
Profit+$731
Income
Monthly rent+$1,540
After 2wk voids: $1,481/mo
Outgoings
Mortgage-$324
Operating costs-$485
show breakdown ▾
Management (10% of rent)-$154
CapEx reserve (5% of rent)-$77
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price28.43%
Cash returnon cash15.43%
Gross margin$996
Cash needed$56,843
Monthly profit payback6y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check2.08
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
$18,480
$5,816
$3,892
$0
$1,667
$7,105
$7,105
Year 2
$19,034
$5,990
$3,892
$0
$1,739
$7,413
$14,518
Year 3
$19,605
$6,170
$3,892
$0
$1,813
$7,730
$22,249
Year 4
$20,194
$6,355
$3,892
$0
$1,890
$8,057
$30,305
Year 5
$20,799
$6,546
$3,892
$0
$1,969
$8,393
$38,698
Year 5 disposal
Disposal gain (gross)-$37,029
CGT$0
Net Disposal proceeds$69,971
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 · 5975.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$65K
Return before costs
—
est rent $1,540/monot enough comparablesRange $1,439–$1,648/mo (Q1–Q3)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,439–$1,648/mo · n=12
Financing
DepositYour cash in — the rest is the mortgage25% · $16,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $65,000 asking ($39,000). Raw model: $81,190–$151,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $48,750 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
+$731
after mortgage, operating costs & tax
Rent in$1,481/mo
Where it goes
$324$485$731
$731/mo left as profit · 49% of rent kept
Mortgage$324
Costs$485
Management$154
Maintenance$67
Insurance$20
CapEx reserve$77
Voids + council tax$5
Tax—
Profit+$731
Income
Monthly rent+$1,540
After 2wk voids: $1,481/mo
Outgoings
Mortgage-$324
Operating costs-$485
show breakdown ▾
Management (10% of rent)-$154
CapEx reserve (5% of rent)-$77
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price28.43%
Cash returnon cash15.43%
Gross margin$996
Cash needed$56,843
Monthly profit payback6y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check2.08
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
$18,480
$5,816
$3,892
$0
$1,667
$7,105
$7,105
Year 2
$19,034
$5,990
$3,892
$0
$1,739
$7,413
$14,518
Year 3
$19,605
$6,170
$3,892
$0
$1,813
$7,730
$22,249
Year 4
$20,194
$6,355
$3,892
$0
$1,890
$8,057
$30,305
Year 5
$20,799
$6,546
$3,892
$0
$1,969
$8,393
$38,698
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
$57K
25% deposit$16,250
Refurb$39,000
Legal + survey$1,700
Mortgage + broker$1,975
Cash needed$56,843
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