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
+$187/mo
Barely breaks even each month
Price
$200K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$175K
Deposit + fees + refurb
Return before costson price11.93%5-yr return on cash 7%Rent est. $1,988 ($1,940–$2,037)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,940–$2,037/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $49,988
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $199,950 asking ($119,970). Raw model: $83,740–$156,480. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $149,962.5 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
+$187
after mortgage, operating costs & tax
Rent in$1,988/mo
$1,912Collected
$1,912/mo actually reaches you — the other $76 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$803Costs
$187/mo left as profit · 10% of rent kept
Mortgage$998
Costs$803
Management$199
Maintenance$67
Insurance$20
CapEx reserve$99
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$187
Returns
Return before costson price11.93%
Cash returnon cash1.29%
Gross margin$1,109
Cash needed$174,906
Monthly profit payback77y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check0.98
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
$23,856
$9,635
$11,972
$0
$427
$1,821
$1,821
Year 2
$24,572
$9,924
$11,972
$0
$508
$2,167
$3,989
Year 3
$25,309
$10,222
$11,972
$0
$592
$2,522
$6,511
Year 4
$26,068
$10,529
$11,972
$0
$678
$2,889
$9,400
Year 5
$26,850
$10,844
$11,972
$0
$766
$3,267
$12,667
Year 5 disposal
Disposal gain (gross)-$110,377
CGT$0
Net Disposal proceeds$215,242
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6498.9 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price11.93%5-yr return on cash 7%Rent est. $1,988 ($1,940–$2,037)
Bedrooms
5
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,940–$2,037/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $49,988
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $199,950 asking ($119,970). Raw model: $83,740–$156,480. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $149,962.5 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
+$187
after mortgage, operating costs & tax
Rent in$1,988/mo
$1,912Collected
$1,912/mo actually reaches you — the other $76 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$803Costs
$187/mo left as profit · 10% of rent kept
Mortgage$998
Costs$803
Management$199
Maintenance$67
Insurance$20
CapEx reserve$99
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$187
Returns
Return before costson price11.93%
Cash returnon cash1.29%
Gross margin$1,109
Cash needed$174,906
Monthly profit payback77y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check0.98
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
$23,856
$9,635
$11,972
$0
$427
$1,821
$1,821
Year 2
$24,572
$9,924
$11,972
$0
$508
$2,167
$3,989
Year 3
$25,309
$10,222
$11,972
$0
$592
$2,522
$6,511
Year 4
$26,068
$10,529
$11,972
$0
$678
$2,889
$9,400
Year 5
$26,850
$10,844
$11,972
$0
$766
$3,267
$12,667
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$175K
25% deposit$49,988
Refurb$119,970
Legal + survey$1,700
Mortgage + broker$3,999
Cash needed$174,906
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