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
−$887/mo
You top up $887/mo
Price
$1.28M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$404K
Deposit + fees + refurb
Return before costson price7.45%5-yr return on cash -8%Rent est. $7,982
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $321,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $36,390–$68,680 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $963,750 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
-$887
after mortgage, operating costs & tax
Rent in$7,982/mo
$7,675Collected
$7,675/mo actually reaches you — the other $307 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,412Mortgage$2,457Costs
Outgoings exceed rent — you top up $887/mo
Mortgage$6,412
Costs$2,457
Management$798
Maintenance$67
Insurance$40
CapEx reserve$399
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$887
Returns
Return before costson price7.45%
Cash returnon cash-2.63%
Gross margin$5,218
Cash needed$404,112
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.76
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
$95,784
$29,489
$76,942
$0
$0
-$10,647
-$10,647
Year 2
$98,658
$30,374
$76,942
$0
$0
-$8,659
-$19,306
Year 3
$101,617
$31,285
$76,942
$0
$0
-$6,610
-$25,916
Year 4
$104,666
$32,224
$76,942
$0
$0
-$4,500
-$30,416
Year 5
$107,806
$33,190
$76,942
$0
$0
-$2,327
-$32,743
Year 5 disposal
Disposal gain (gross)$16,340
CGT$3,105
Net Disposal proceeds$1,380,170
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 8283.4 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price7.45%5-yr return on cash -8%Rent est. $7,982
Bedrooms
0
0 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $321,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $36,390–$68,680 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $963,750 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
-$887
after mortgage, operating costs & tax
Rent in$7,982/mo
$7,675Collected
$7,675/mo actually reaches you — the other $307 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,412Mortgage$2,457Costs
Outgoings exceed rent — you top up $887/mo
Mortgage$6,412
Costs$2,457
Management$798
Maintenance$67
Insurance$40
CapEx reserve$399
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$887
Returns
Return before costson price7.45%
Cash returnon cash-2.63%
Gross margin$5,218
Cash needed$404,112
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.76
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
$95,784
$29,489
$76,942
$0
$0
-$10,647
-$10,647
Year 2
$98,658
$30,374
$76,942
$0
$0
-$8,659
-$19,306
Year 3
$101,617
$31,285
$76,942
$0
$0
-$6,610
-$25,916
Year 4
$104,666
$32,224
$76,942
$0
$0
-$4,500
-$30,416
Year 5
$107,806
$33,190
$76,942
$0
$0
-$2,327
-$32,743
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing