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
−$7K/mo
You top up $7K/mo
Price
$1.75M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$648K
Deposit + fees + refurb
Return before costson price1.91%5-yr return on cash -68%Rent est. $2,789 ($1,830–$4,251)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,830–$4,251/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $437,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $119,080–$221,840 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,312,500 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
-$7,377
after mortgage, operating costs & tax
Rent in$2,789/mo
$2,682Collected
$2,682/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$8,732Mortgage
Outgoings exceed rent — you top up $7,377/mo
Mortgage$8,732
Costs$1,434
Management$279
Maintenance$67
Insurance$40
CapEx reserve$139
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$7,377
Returns
Return before costson price1.91%
Cash returnon cash-13.67%
Gross margin$1,248
Cash needed$647,685
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.20
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
$33,468
$17,207
$104,785
$0
$0
-$88,525
-$88,525
Year 2
$34,472
$17,724
$104,785
$0
$0
-$88,037
-$176,561
Year 3
$35,506
$18,255
$104,785
$0
$0
-$87,534
-$264,096
Year 4
$36,571
$18,803
$104,785
$0
$0
-$87,017
-$351,113
Year 5
$37,669
$19,367
$104,785
$0
$0
-$86,484
-$437,596
Year 5 disposal
Disposal gain (gross)-$75,322
CGT$0
Net Disposal proceeds$1,883,838
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 7039.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
1.91% Return before costs — around the area average for this property type.
Monthly profit −$7,377/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$7K/mo
You top up $7K/mo
Price
$1.75M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$648K
Deposit + fees + refurb
Return before costson price1.91%5-yr return on cash -68%Rent est. $2,789 ($1,830–$4,251)
Bedrooms
2
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,830–$4,251/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $437,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $119,080–$221,840 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,312,500 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
-$7,377
after mortgage, operating costs & tax
Rent in$2,789/mo
$2,682Collected
$2,682/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$8,732Mortgage
Outgoings exceed rent — you top up $7,377/mo
Mortgage$8,732
Costs$1,434
Management$279
Maintenance$67
Insurance$40
CapEx reserve$139
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$7,377
Returns
Return before costson price1.91%
Cash returnon cash-13.67%
Gross margin$1,248
Cash needed$647,685
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.20
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
$33,468
$17,207
$104,785
$0
$0
-$88,525
-$88,525
Year 2
$34,472
$17,724
$104,785
$0
$0
-$88,037
-$176,561
Year 3
$35,506
$18,255
$104,785
$0
$0
-$87,534
-$264,096
Year 4
$36,571
$18,803
$104,785
$0
$0
-$87,017
-$351,113
Year 5
$37,669
$19,367
$104,785
$0
$0
-$86,484
-$437,596
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$648K
25% deposit$437,500
Refurb$170,460
Legal + survey$3,700
Mortgage + broker$27,250
Cash needed$647,685
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice