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
+$41/mo
Barely breaks even each month
Price
$1.05M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$380K
Deposit + fees + refurb
Return before costson price8.57%5-yr return on cash 5%Rent est. $7,500 ($3,686–$4,829)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,686–$4,829/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $262,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $64,630–$120,990 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $787,500 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
+$41
after mortgage, operating costs & tax
Rent in$7,500/mo
$7,212Collected
$7,212/mo actually reaches you — the other $288 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,239Mortgage$2,220Costs
$41/mo left as profit · 1% of rent kept
Mortgage$5,239
Costs$2,220
Management$750
Maintenance$67
Insurance$40
CapEx reserve$375
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$41
Returns
Return before costson price8.57%
Cash returnon cash0.13%
Gross margin$4,992
Cash needed$380,090
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$90,000
$26,637
$62,871
$0
$94
$398
$398
Year 2
$92,700
$27,436
$62,871
$0
$455
$1,938
$2,337
Year 3
$95,481
$28,259
$62,871
$0
$827
$3,524
$5,861
Year 4
$98,345
$29,106
$62,871
$0
$1,210
$5,158
$11,019
Year 5
$101,296
$29,980
$62,871
$0
$1,605
$6,840
$17,859
Year 5 disposal
Disposal gain (gross)-$37,207
CGT$0
Net Disposal proceeds$1,130,303
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 cohort2 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.
Return before costson price8.57%5-yr return on cash 5%Rent est. $7,500 ($3,686–$4,829)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,686–$4,829/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $262,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $64,630–$120,990 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $787,500 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
+$41
after mortgage, operating costs & tax
Rent in$7,500/mo
$7,212Collected
$7,212/mo actually reaches you — the other $288 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$5,239Mortgage$2,220Costs
$41/mo left as profit · 1% of rent kept
Mortgage$5,239
Costs$2,220
Management$750
Maintenance$67
Insurance$40
CapEx reserve$375
Voids + council tax$12
Ltd co. accounts$104
Tax—
Profit+$41
Returns
Return before costson price8.57%
Cash returnon cash0.13%
Gross margin$4,992
Cash needed$380,090
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.87
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
$90,000
$26,637
$62,871
$0
$94
$398
$398
Year 2
$92,700
$27,436
$62,871
$0
$455
$1,938
$2,337
Year 3
$95,481
$28,259
$62,871
$0
$827
$3,524
$5,861
Year 4
$98,345
$29,106
$62,871
$0
$1,210
$5,158
$11,019
Year 5
$101,296
$29,980
$62,871
$0
$1,605
$6,840
$17,859
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$380K
25% deposit$262,500
Refurb$92,810
Legal + survey$3,700
Mortgage + broker$16,750
Cash needed$380,090
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