No rent data on file — verify locally before offering.
Why it works
Monthly profit +$7,680/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
+$8K/mo
Pays you every month, net of costs
Price
$8K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$7K
Deposit + fees + refurb
5-yr return on cash 5777%Rent est. $9,700
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,875
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $7,500 asking ($4,500). Raw model: $83,040–$155,180. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $5,625 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$7,680
after mortgage, operating costs & tax
Rent in$9,700/mo
$9,327Collected
$9,327/mo actually reaches you — the other $373 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,983Costs$7,680Your profit
$7,680/mo left as profit · 82% of rent kept
Mortgage$37
Costs$1,983
Management$970
Maintenance$67
Insurance$20
CapEx reserve$485
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$7,680
Returns
Return before costson price1552.00%
Cash returnon cash1406.61%
Gross margin$7,344
Cash needed$6,552
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check35.34
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
$116,400
$23,793
$449
$0
$20,672
$71,486
$71,486
Year 2
$119,892
$24,507
$449
$0
$21,408
$73,528
$145,014
Year 3
$123,489
$25,242
$449
$0
$22,166
$75,631
$220,645
Year 4
$127,193
$26,000
$449
$0
$22,947
$77,798
$298,443
Year 5
$131,009
$26,780
$449
$0
$23,752
$80,029
$378,472
Year 5 disposal
Disposal gain (gross)-$6,076
CGT$0
Net Disposal proceeds$8,074
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 8283.5 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$8K/mo
Pays you every month, net of costs
Price
$8K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$7K
Deposit + fees + refurb
5-yr return on cash 5777%Rent est. $9,700
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,875
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $7,500 asking ($4,500). Raw model: $83,040–$155,180. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $5,625 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$7,680
after mortgage, operating costs & tax
Rent in$9,700/mo
$9,327Collected
$9,327/mo actually reaches you — the other $373 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,983Costs$7,680Your profit
$7,680/mo left as profit · 82% of rent kept
Mortgage$37
Costs$1,983
Management$970
Maintenance$67
Insurance$20
CapEx reserve$485
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$7,680
Returns
Return before costson price1552.00%
Cash returnon cash1406.61%
Gross margin$7,344
Cash needed$6,552
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check35.34
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
$116,400
$23,793
$449
$0
$20,672
$71,486
$71,486
Year 2
$119,892
$24,507
$449
$0
$21,408
$73,528
$145,014
Year 3
$123,489
$25,242
$449
$0
$22,166
$75,631
$220,645
Year 4
$127,193
$26,000
$449
$0
$22,947
$77,798
$298,443
Year 5
$131,009
$26,780
$449
$0
$23,752
$80,029
$378,472
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
$7K
25% deposit$1,875
Refurb$4,500
Legal + survey$2,000
Mortgage + broker$1,113
Cash needed$6,552
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