Monthly profit +$984/mo from completion — the no.1 reason to invest
9.70% 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 →
Price
$1.20M
Return before costson price
9.70%
est rent $9,700not enough comparablesRange $5,516–$10,782/mo (Q1–Q3)
Cash needed
$428K
deposit + costs
Monthly profit
+$984
net of mgmt + voids
5y Return on your cash
16.1%
after tax
IRR
1.5%
cash + capital
Rent Range
$5,516–$10,782
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,516–$10,782/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $300,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$984
after mortgage, operating costs & tax
Income
Monthly rent+$9,700
After 2wk voids: $9,327/mo
Outgoings
Mortgage-$5,988
Operating costs-$2,728
show breakdown ▾
Management (10% of rent)-$970
CapEx reserve (5% of rent)-$485
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.70%
Cash returnon cash2.76%
Gross margin$6,599
Cash needed$428,405
Monthly profit payback36y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check0.99
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$116,400
$32,737
$71,853
$0
$2,244
$9,566
$9,566
Year 2
$119,892
$33,719
$71,853
$0
$2,721
$11,599
$21,166
Year 3
$123,489
$34,731
$71,853
$0
$3,212
$13,693
$34,859
Year 4
$127,193
$35,773
$71,853
$0
$3,718
$15,850
$50,709
Year 5
$131,009
$36,846
$71,853
$0
$4,239
$18,072
$68,781
Year 5 disposal
Disposal gain (gross)-$36,010
CGT$0
Net Disposal proceeds$1,291,775
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 · 8281.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $9,700/monot enough comparablesRange $5,516–$10,782/mo (Q1–Q3)
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,516–$10,782/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $300,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$984
after mortgage, operating costs & tax
Income
Monthly rent+$9,700
After 2wk voids: $9,327/mo
Outgoings
Mortgage-$5,988
Operating costs-$2,728
show breakdown ▾
Management (10% of rent)-$970
CapEx reserve (5% of rent)-$485
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.70%
Cash returnon cash2.76%
Gross margin$6,599
Cash needed$428,405
Monthly profit payback36y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check0.99
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$12,600
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$68,781
Acquisition costs
$428K
25% deposit$300,000
Refurb$100,085
Legal + survey$3,700
Mortgage + broker$19,000
Cash needed$428,405
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice