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
−$30/mo
You top up $30/mo
Price
$995K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$364K
Deposit + fees + refurb
Return before costson price8.48%5-yr return on cash 4%Rent est. $7,032 ($5,820–$8,496)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$8,496/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · $248,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $64,070–$119,950 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $746,250 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
-$30
after mortgage, operating costs & tax
Rent in$7,032/mo
$6,762Collected
$6,762/mo actually reaches you — the other $270 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,965Mortgage$2,097Costs
Outgoings exceed rent — you top up $30/mo
Mortgage$4,965
Costs$2,097
Management$703
Maintenance$67
Insurance$40
CapEx reserve$352
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$30
Returns
Return before costson price8.48%
Cash returnon cash-0.10%
Gross margin$4,664
Cash needed$364,243
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
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
$84,384
$25,166
$59,578
$0
$0
-$360
-$360
Year 2
$86,916
$25,921
$59,578
$0
$269
$1,148
$789
Year 3
$89,523
$26,698
$59,578
$0
$617
$2,630
$3,418
Year 4
$92,209
$27,499
$59,578
$0
$975
$4,157
$7,575
Year 5
$94,975
$28,324
$59,578
$0
$1,344
$5,729
$13,304
Year 5 disposal
Disposal gain (gross)-$38,714
CGT$0
Net Disposal proceeds$1,071,096
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.
Return before costson price8.48%5-yr return on cash 4%Rent est. $7,032 ($5,820–$8,496)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$8,496/mo · n=30
Financing
DepositYour cash in — the rest is the mortgage25% · $248,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $64,070–$119,950 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $746,250 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
-$30
after mortgage, operating costs & tax
Rent in$7,032/mo
$6,762Collected
$6,762/mo actually reaches you — the other $270 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$4,965Mortgage$2,097Costs
Outgoings exceed rent — you top up $30/mo
Mortgage$4,965
Costs$2,097
Management$703
Maintenance$67
Insurance$40
CapEx reserve$352
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$30
Returns
Return before costson price8.48%
Cash returnon cash-0.10%
Gross margin$4,664
Cash needed$364,243
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
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
$84,384
$25,166
$59,578
$0
$0
-$360
-$360
Year 2
$86,916
$25,921
$59,578
$0
$269
$1,148
$789
Year 3
$89,523
$26,698
$59,578
$0
$617
$2,630
$3,418
Year 4
$92,209
$27,499
$59,578
$0
$975
$4,157
$7,575
Year 5
$94,975
$28,324
$59,578
$0
$1,344
$5,729
$13,304
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
$364K
25% deposit$248,750
Refurb$92,010
Legal + survey$2,900
Mortgage + broker$15,925
Cash needed$364,243
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