No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,425/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
$2K
Return before costson price
—
est rent $1,954not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
4312.8%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $488
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,950 asking ($1,170). Raw model: $77,790–$145,430. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,462.5 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
+$1,425
after mortgage, operating costs & tax
Rent in$1,879/mo
Where it goes
$520$1,425
$1,425/mo left as profit · 76% of rent kept
Mortgage$10
Costs$520
Management$195
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Tax—
Profit+$1,425
Income
Monthly rent+$1,954
After 2wk voids: $1,879/mo
Outgoings
Mortgage-$10
Operating costs-$520
show breakdown ▾
Management (10% of rent)-$195
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1202.46%
Cash returnon cash1002.49%
Gross margin$1,359
Cash needed$1,705
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.49
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
$23,448
$6,235
$117
$0
$3,248
$13,848
$13,848
Year 2
$24,151
$6,422
$117
$0
$3,346
$14,267
$28,115
Year 3
$24,876
$6,615
$117
$0
$3,447
$14,697
$42,812
Year 4
$25,622
$6,813
$117
$0
$3,552
$15,140
$57,952
Year 5
$26,391
$7,018
$117
$0
$3,659
$15,598
$73,550
Year 5 disposal
Disposal gain (gross)-$2,760
CGT$0
Net Disposal proceeds$2,099
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
4-bed · 2-bath · 1650 sqft
$40k–$78k
$ per sqft
building cost only
$24–$47
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$11,550–$21,450
Flooring · Carpet on bedrooms + LVT/laminate downstairs$18,150–$34,650
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history26d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$1,425/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
1202.46%
+$1,425
$1,705
4312.8%
Low
Feasible
Refurb & refinance
1202.46%
+$1,425
$2,095
3510.1%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$151
$3,514
-105%
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
$1,705cash needed
Purchase price$1,950
Deposit (25%)$488
Refurb$1,170
Legal + survey$1,700
Mortgage fees$1,029
Total cash neededdeposit + costs (loan covers the rest)$1,705
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: NC
Effective rate0.20%
Total at sale$4
Flat 0.20% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$2K
Return before costs
—
est rent $1,954/monot enough comparables
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $488
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,950 asking ($1,170). Raw model: $77,790–$145,430. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,462.5 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
+$1,425
after mortgage, operating costs & tax
Rent in$1,879/mo
Where it goes
$520$1,425
$1,425/mo left as profit · 76% of rent kept
Mortgage$10
Costs$520
Management$195
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Tax—
Profit+$1,425
Income
Monthly rent+$1,954
After 2wk voids: $1,879/mo
Outgoings
Mortgage-$10
Operating costs-$520
show breakdown ▾
Management (10% of rent)-$195
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1202.46%
Cash returnon cash1002.49%
Gross margin$1,359
Cash needed$1,705
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.49
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
$23,448
$6,235
$117
$0
$3,248
$13,848
$13,848
Year 2
$24,151
$6,422
$117
$0
$3,346
$14,267
$28,115
Year 3
$24,876
$6,615
$117
$0
$3,447
$14,697
$42,812
Year 4
$25,622
$6,813
$117
$0
$3,552
$15,140
$57,952
Year 5
$26,391
$7,018
$117
$0
$3,659
$15,598
$73,550
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
$2K
25% deposit$488
Refurb$1,170
Legal + survey$1,700
Mortgage + broker$1,029
Cash needed$1,705
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