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
−$3K/mo
You top up $3K/mo
Price
$1.24M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$453K
Deposit + fees + refurb
Return before costson price4.47%5-yr return on cash -42%Rent est. $4,608 ($4,365–$4,865)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,365–$4,865/mo · n=28
Financing
DepositYour cash in — the rest is the mortgage25% · $309,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $79,605–$148,665 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $928,500 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
-$3,362
after mortgage, operating costs & tax
Rent in$4,608/mo
$4,431Collected
$4,431/mo actually reaches you — the other $177 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,177Mortgage$1,792Costs
Outgoings exceed rent — you top up $3,362/mo
Mortgage$6,177
Costs$1,792
Management$461
Maintenance$67
Insurance$40
CapEx reserve$230
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$3,362
Returns
Return before costson price4.47%
Cash returnon cash-8.91%
Gross margin$2,639
Cash needed$452,852
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.45
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
$55,296
$21,506
$74,128
$0
$0
-$40,338
-$40,338
Year 2
$56,955
$22,151
$74,128
$0
$0
-$39,324
-$79,663
Year 3
$58,664
$22,816
$74,128
$0
$0
-$38,280
-$117,943
Year 4
$60,423
$23,500
$74,128
$0
$0
-$37,205
-$155,148
Year 5
$62,236
$24,205
$74,128
$0
$0
-$36,097
-$191,245
Year 5 disposal
Disposal gain (gross)-$47,914
CGT$0
Net Disposal proceeds$1,332,681
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 Aberdeen · 8107.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
4.47% Return before costs — around the area average for this property type.
Monthly profit −$3,362/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$3K/mo
You top up $3K/mo
Price
$1.24M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$453K
Deposit + fees + refurb
Return before costson price4.47%5-yr return on cash -42%Rent est. $4,608 ($4,365–$4,865)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,365–$4,865/mo · n=28
Financing
DepositYour cash in — the rest is the mortgage25% · $309,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $79,605–$148,665 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $928,500 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
-$3,362
after mortgage, operating costs & tax
Rent in$4,608/mo
$4,431Collected
$4,431/mo actually reaches you — the other $177 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$6,177Mortgage$1,792Costs
Outgoings exceed rent — you top up $3,362/mo
Mortgage$6,177
Costs$1,792
Management$461
Maintenance$67
Insurance$40
CapEx reserve$230
Voids + council tax$12
Ltd co. accounts$104
Tax—
Shortfall−$3,362
Returns
Return before costson price4.47%
Cash returnon cash-8.91%
Gross margin$2,639
Cash needed$452,852
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.45
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
$55,296
$21,506
$74,128
$0
$0
-$40,338
-$40,338
Year 2
$56,955
$22,151
$74,128
$0
$0
-$39,324
-$79,663
Year 3
$58,664
$22,816
$74,128
$0
$0
-$38,280
-$117,943
Year 4
$60,423
$23,500
$74,128
$0
$0
-$37,205
-$155,148
Year 5
$62,236
$24,205
$74,128
$0
$0
-$36,097
-$191,245
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
$453K
25% deposit$309,500
Refurb$114,135
Legal + survey$3,700
Mortgage + broker$19,570
Cash needed$452,852
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