Monthly profit +$538/mo from completion — the no.1 reason to invest
16.23% return before costs — above-market
Why to be cautious
-10.9% 5y IRR — capital outlay disproportionate to returns
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 →
Price
$150K
Return before costson price
16.23%
est rent $2,028not enough comparables
Cash needed
$131K
deposit + costs
Monthly profit
+$538
net of mgmt + voids
5y Return on your cash
22.9%
after tax
IRR
-10.9%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $37,475
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$538
after mortgage, operating costs & tax
Income
Monthly rent+$2,028
After 2wk voids: $1,950/mo
Outgoings
Mortgage-$748
Operating costs-$742
show breakdown ▾
Management (10% of rent)-$203
CapEx reserve (5% of rent)-$101
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.23%
Cash returnon cash4.94%
Gross margin$1,208
Cash needed$130,788
Monthly profit payback20y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.28
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$24,336
$8,905
$8,976
$0
$1,227
$5,229
$5,229
Year 2
$25,066
$9,172
$8,976
$0
$1,315
$5,604
$10,832
Year 3
$25,818
$9,447
$8,976
$0
$1,405
$5,990
$16,823
Year 4
$26,593
$9,730
$8,976
$0
$1,498
$6,389
$23,211
Year 5
$27,390
$10,022
$8,976
$0
$1,595
$6,797
$30,009
Year 5 disposal
Disposal gain (gross)-$83,174
CGT$0
Net Disposal proceeds$161,364
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 7157.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $37,475
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$538
after mortgage, operating costs & tax
Income
Monthly rent+$2,028
After 2wk voids: $1,950/mo
Outgoings
Mortgage-$748
Operating costs-$742
show breakdown ▾
Management (10% of rent)-$203
CapEx reserve (5% of rent)-$101
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.23%
Cash returnon cash4.94%
Gross margin$1,208
Cash needed$130,788
Monthly profit payback20y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.28
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$1,574
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$30,009
Acquisition costs
$131K
25% deposit$37,475
Refurb$89,940
Legal + survey$1,700
Mortgage + broker$3,249
Cash needed$130,788
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice