No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,423/mo from completion — the no.1 reason to invest
628.4% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
$3K
Return before costson price
—
est rent $1,959not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
3322.2%
after tax
IRR
628.4%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,423
after mortgage, operating costs & tax
Income
Monthly rent+$1,959
After 2wk voids: $1,884/mo
Outgoings
Mortgage-$12
Operating costs-$523
show breakdown ▾
Management (10% of rent)-$196
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price940.32%
Cash returnon cash772.13%
Gross margin$1,361
Cash needed$2,212
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.24
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
$23,508
$6,277
$150
$0
$3,245
$13,836
$13,836
Year 2
$24,213
$6,465
$150
$0
$3,344
$14,254
$28,091
Year 3
$24,940
$6,659
$150
$0
$3,445
$14,686
$42,777
Year 4
$25,688
$6,859
$150
$0
$3,549
$15,130
$57,907
Year 5
$26,458
$7,065
$150
$0
$3,656
$15,588
$73,495
Year 5 disposal
Disposal gain (gross)-$3,359
CGT$0
Net Disposal proceeds$2,691
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4849.2 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
106 Longmeadow Village Rd #3, Colchester, VT 05446
apartment · 2 bed · 2 bath · 1,550 sqft
$2,500
est $1,959
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$1,423/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$3K
vs comparable
Return before costs
—
est rent $1,959/monot enough comparables
Bedrooms
2
2 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,423
after mortgage, operating costs & tax
Income
Monthly rent+$1,959
After 2wk voids: $1,884/mo
Outgoings
Mortgage-$12
Operating costs-$523
show breakdown ▾
Management (10% of rent)-$196
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price940.32%
Cash returnon cash772.13%
Gross margin$1,361
Cash needed$2,212
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.24
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 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$26
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$73,495
Acquisition costs
$2K
25% deposit$625
Refurb$1,500
Legal + survey$2,000
Mortgage + broker$1,038
Cash needed$2,212
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