Monthly profit +$431/mo from completion — the no.1 reason to invest
17.20% return before costs — above-market
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
+$431/mo
Pays you every month, net of costs
Price
$99K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$86K
Deposit + fees + refurb
Return before costson price17.20%5-yr return on cash 27%Rent est. $1,419 ($1,268–$1,588)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,268–$1,588/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · $24,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $99,000 asking ($59,400). Raw model: $63,160–$118,260. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $74,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$431
after mortgage, operating costs & tax
Rent in$1,419/mo
$1,364Collected
$1,364/mo actually reaches you — the other $55 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$494Mortgage$494Costs$431Your profit
$431/mo left as profit · 32% of rent kept
Mortgage$494
Costs$494
Management$142
Maintenance$67
Insurance$20
CapEx reserve$71
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$431
Returns
Return before costson price17.20%
Cash returnon cash5.99%
Gross margin$870
Cash needed$86,378
Monthly profit payback16y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.38
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
$17,028
$5,930
$5,928
$0
$982
$4,188
$4,188
Year 2
$17,539
$6,108
$5,928
$0
$1,046
$4,457
$8,646
Year 3
$18,065
$6,291
$5,928
$0
$1,111
$4,735
$13,381
Year 4
$18,607
$6,480
$5,928
$0
$1,178
$5,021
$18,402
Year 5
$19,165
$6,674
$5,928
$0
$1,247
$5,316
$23,718
Year 5 disposal
Disposal gain (gross)-$55,509
CGT$0
Net Disposal proceeds$106,571
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 Aberdeen · 7337.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price17.20%5-yr return on cash 27%Rent est. $1,419 ($1,268–$1,588)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,268–$1,588/mo · n=26
Financing
DepositYour cash in — the rest is the mortgage25% · $24,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $99,000 asking ($59,400). Raw model: $63,160–$118,260. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $74,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$431
after mortgage, operating costs & tax
Rent in$1,419/mo
$1,364Collected
$1,364/mo actually reaches you — the other $55 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$494Mortgage$494Costs$431Your profit
$431/mo left as profit · 32% of rent kept
Mortgage$494
Costs$494
Management$142
Maintenance$67
Insurance$20
CapEx reserve$71
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$431
Returns
Return before costson price17.20%
Cash returnon cash5.99%
Gross margin$870
Cash needed$86,378
Monthly profit payback16y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.38
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
$17,028
$5,930
$5,928
$0
$982
$4,188
$4,188
Year 2
$17,539
$6,108
$5,928
$0
$1,046
$4,457
$8,646
Year 3
$18,065
$6,291
$5,928
$0
$1,111
$4,735
$13,381
Year 4
$18,607
$6,480
$5,928
$0
$1,178
$5,021
$18,402
Year 5
$19,165
$6,674
$5,928
$0
$1,247
$5,316
$23,718
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$86K
25% deposit$24,750
Refurb$59,400
Legal + survey$1,700
Mortgage + broker$2,485
Cash needed$86,378
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