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
−$14K/mo
You top up $14K/mo
Price
$2.85M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.03M
Deposit + fees + refurb
Return before costson price1.35%5-yr return on cash -78%Rent est. $3,201 ($3,099–$3,306)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,099–$3,306/mo · n=60
Financing
DepositYour cash in — the rest is the mortgage25% · $712,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $176,760–$328,960 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $2,136,000 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
-$13,543
after mortgage, operating costs & tax
Rent in$3,201/mo
$3,078Collected
$3,078/mo actually reaches you — the other $123 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$14,211Mortgage
Outgoings exceed rent — you top up $13,543/mo
Mortgage$14,211
Costs$2,533
Management$320
Maintenance$67
Insurance$40
CapEx reserve$160
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$13,543
Returns
Return before costson price1.35%
Cash returnon cash-15.75%
Gross margin$545
Cash needed$1,032,073
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.14
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
$38,412
$30,399
$170,530
$0
$0
-$162,518
-$162,518
Year 2
$39,564
$31,311
$170,530
$0
$0
-$162,277
-$324,795
Year 3
$40,751
$32,251
$170,530
$0
$0
-$162,030
-$486,824
Year 4
$41,974
$33,218
$170,530
$0
$0
-$161,775
-$648,599
Year 5
$43,233
$34,215
$170,530
$0
$0
-$161,512
-$810,111
Year 5 disposal
Disposal gain (gross)-$95,708
CGT$0
Net Disposal proceeds$3,065,812
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Aberdeen · 7915.3 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
1.35% Return before costs — around the area average for this property type.
Monthly profit −$13,543/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$14K/mo
You top up $14K/mo
Price
$2.85M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.03M
Deposit + fees + refurb
Return before costson price1.35%5-yr return on cash -78%Rent est. $3,201 ($3,099–$3,306)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,099–$3,306/mo · n=60
Financing
DepositYour cash in — the rest is the mortgage25% · $712,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $176,760–$328,960 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $2,136,000 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
-$13,543
after mortgage, operating costs & tax
Rent in$3,201/mo
$3,078Collected
$3,078/mo actually reaches you — the other $123 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$14,211Mortgage
Outgoings exceed rent — you top up $13,543/mo
Mortgage$14,211
Costs$2,533
Management$320
Maintenance$67
Insurance$40
CapEx reserve$160
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$13,543
Returns
Return before costson price1.35%
Cash returnon cash-15.75%
Gross margin$545
Cash needed$1,032,073
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.14
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
$38,412
$30,399
$170,530
$0
$0
-$162,518
-$162,518
Year 2
$39,564
$31,311
$170,530
$0
$0
-$162,277
-$324,795
Year 3
$40,751
$32,251
$170,530
$0
$0
-$162,030
-$486,824
Year 4
$41,974
$33,218
$170,530
$0
$0
-$161,775
-$648,599
Year 5
$43,233
$34,215
$170,530
$0
$0
-$161,512
-$810,111
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
$1.0M
25% deposit$712,000
Refurb$252,860
Legal + survey$3,700
Mortgage + broker$43,720
Cash needed$1,032,073
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