No rent data on file — verify locally before offering.
Why it works
Monthly profit +$4,123/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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 →
Monthly cashflow
+$4K/mo
Pays you every month, net of costs
Price
$6K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$5K
Deposit + fees + refurb
5-yr return on cash 4409%Rent est. $5,303
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,375
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $5,500 asking ($3,300). Raw model: $59,490–$111,580. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $4,125 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
+$4,123
after mortgage, operating costs & tax
Rent in$5,303/mo
$5,099Collected
$5,099/mo actually reaches you — the other $204 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,153Costs$4,123Your profit
$4,123/mo left as profit · 81% of rent kept
Mortgage$27
Costs$1,153
Management$530
Maintenance$67
Insurance$20
CapEx reserve$265
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$4,123
Returns
Return before costson price1157.02%
Cash returnon cash1029.66%
Gross margin$3,946
Cash needed$4,805
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check20.52
Rent-covers-mortgage check PASS (target 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
$63,636
$13,834
$329
$0
$9,400
$40,073
$40,073
Year 2
$65,545
$14,249
$329
$0
$9,756
$41,211
$81,283
Year 3
$67,511
$14,677
$329
$0
$10,164
$42,341
$123,625
Year 4
$69,537
$15,117
$329
$0
$10,584
$43,506
$167,131
Year 5
$71,623
$15,571
$329
$0
$11,017
$44,706
$211,837
Year 5 disposal
Disposal gain (gross)-$4,689
CGT$0
Net Disposal proceeds$5,921
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 1-bath · 1290 sqft
$30k–$59k
$ per sqft
building cost only
$24–$46
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
1 × bathroom · Full strip + retile$3,325–$6,650
Paint + decor$9,030–$16,770
Flooring · Carpet on bedrooms + LVT/laminate downstairs$14,190–$27,090
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history12d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$4,123/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
1157.02%
+$4,123
$4,805
4408.9%
Low
Feasible
Refurb & refinance
1157.02%
+$4,123
$5,905
3587.6%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$153
$9,906
-59%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$4,805cash needed
Purchase price$5,500
Deposit (25%)$1,375
Refurb$3,300
Legal + survey$1,700
Mortgage fees$1,083
Total cash neededdeposit + costs (loan covers the rest)$4,805
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: CA
Effective rate0.11%
Total at sale$6
Flat 0.11% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$4K/mo
Pays you every month, net of costs
Price
$6K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$5K
Deposit + fees + refurb
5-yr return on cash 4409%Rent est. $5,303
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,375
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $5,500 asking ($3,300). Raw model: $59,490–$111,580. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $4,125 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
+$4,123
after mortgage, operating costs & tax
Rent in$5,303/mo
$5,099Collected
$5,099/mo actually reaches you — the other $204 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,153Costs$4,123Your profit
$4,123/mo left as profit · 81% of rent kept
Mortgage$27
Costs$1,153
Management$530
Maintenance$67
Insurance$20
CapEx reserve$265
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$4,123
Returns
Return before costson price1157.02%
Cash returnon cash1029.66%
Gross margin$3,946
Cash needed$4,805
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check20.52
Rent-covers-mortgage check PASS (target 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
$63,636
$13,834
$329
$0
$9,400
$40,073
$40,073
Year 2
$65,545
$14,249
$329
$0
$9,756
$41,211
$81,283
Year 3
$67,511
$14,677
$329
$0
$10,164
$42,341
$123,625
Year 4
$69,537
$15,117
$329
$0
$10,584
$43,506
$167,131
Year 5
$71,623
$15,571
$329
$0
$11,017
$44,706
$211,837
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$5K
25% deposit$1,375
Refurb$3,300
Legal + survey$1,700
Mortgage + broker$1,083
Cash needed$4,805
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