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
−$59K/mo
You top up $59K/mo
Price
$9.75M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3.09M
Deposit + fees + refurb
Return before costson price43.00%5-yr return on cash -116%Rent est. $3,492 ($2,968–$4,109)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,968–$4,109/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $2,437,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $268,510–$498,810 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $7,312,500 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
-$59,210
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$48,650Mortgage$14,052Costs
Outgoings exceed rent — you top up $59,210/mo
Mortgage$48,650
Costs$14,052
Management$349
Maintenance$67
Insurance$40
CapEx reserve$175
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$59,210
Returns
Return before costson price0.43%
Cash returnon cash-23.03%
Gross margin-$10,694
Cash needed$3,085,385
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.04
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
$41,904
$168,622
$583,803
$0
$0
-$710,521
-$710,521
Year 2
$43,161
$173,681
$583,803
$0
$0
-$714,323
-$1,424,844
Year 3
$44,456
$178,891
$583,803
$0
$0
-$718,238
-$2,143,082
Year 4
$45,790
$184,258
$583,803
$0
$0
-$722,271
-$2,865,354
Year 5
$47,163
$189,786
$583,803
$0
$0
-$726,425
-$3,591,779
Year 5 disposal
Disposal gain (gross)$163,308
CGT$39,527
Net Disposal proceeds$10,456,141
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4960.1 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price43.00%5-yr return on cash -116%Rent est. $3,492 ($2,968–$4,109)
Bedrooms
5
8 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,968–$4,109/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $2,437,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $268,510–$498,810 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $7,312,500 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
-$59,210
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$48,650Mortgage$14,052Costs
Outgoings exceed rent — you top up $59,210/mo
Mortgage$48,650
Costs$14,052
Management$349
Maintenance$67
Insurance$40
CapEx reserve$175
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$59,210
Returns
Return before costson price0.43%
Cash returnon cash-23.03%
Gross margin-$10,694
Cash needed$3,085,385
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.04
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
$41,904
$168,622
$583,803
$0
$0
-$710,521
-$710,521
Year 2
$43,161
$173,681
$583,803
$0
$0
-$714,323
-$1,424,844
Year 3
$44,456
$178,891
$583,803
$0
$0
-$718,238
-$2,143,082
Year 4
$45,790
$184,258
$583,803
$0
$0
-$722,271
-$2,865,354
Year 5
$47,163
$189,786
$583,803
$0
$0
-$726,425
-$3,591,779
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$3.1M
25% deposit$2,437,500
Refurb$383,660
Legal + survey$3,700
Mortgage + broker$147,250
Cash needed$3,085,385
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