-17.5% 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
$500K
Return before costson price
2.11%
est rent $877not enough comparables
Cash needed
$198K
deposit + costs
Monthly profit
−$2K
net of mgmt + voids
5y Return on your cash
-62.8%
after tax
IRR
-17.5%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $124,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,099
after mortgage, operating costs & tax
Income
Monthly rent+$877
After 2wk voids: $843/mo
Outgoings
Mortgage-$2,494
Operating costs-$482
show breakdown ▾
Management (10% of rent)-$88
CapEx reserve (5% of rent)-$44
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.11%
Cash returnon cash-12.71%
Gross margin$361
Cash needed$198,258
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.22
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$10,524
$5,783
$29,933
$0
$0
-$25,192
-$25,192
Year 2
$10,840
$5,956
$29,933
$0
$0
-$25,049
-$50,241
Year 3
$11,165
$6,135
$29,933
$0
$0
-$24,903
-$75,144
Year 4
$11,500
$6,319
$29,933
$0
$0
-$24,752
-$99,896
Year 5
$11,845
$6,509
$29,933
$0
$0
-$24,597
-$124,492
Year 5 disposal
Disposal gain (gross)-$35,451
CGT$0
Net Disposal proceeds$538,132
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6539.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $124,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,099
after mortgage, operating costs & tax
Income
Monthly rent+$877
After 2wk voids: $843/mo
Outgoings
Mortgage-$2,494
Operating costs-$482
show breakdown ▾
Management (10% of rent)-$88
CapEx reserve (5% of rent)-$44
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.11%
Cash returnon cash-12.71%
Gross margin$361
Cash needed$198,258
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.22
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)? bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$5,249
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$124,492
Acquisition costs
$198K
25% deposit$124,975
Refurb$61,535
Legal + survey$2,150
Mortgage + broker$8,499
Cash needed$198,258
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