Real 6.84% return before costs but flagged risks need pricing in.
Why it works
Why to be cautious
Monthly profit −$472/mo — significantly negative — real recurring drain
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
−$472/mo
You top up $472/mo
Price
$298K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$195K
Deposit + fees + refurb
Return before costson price6.84%5-yr return on cash -13%Rent est. $1,698 ($1,625–$1,774)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,625–$1,774/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $74,498
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $79,400–$148,420 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $223,492.5 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$472
after mortgage, operating costs & tax
Rent in$1,698/mo
$1,633Collected
$1,633/mo actually reaches you — the other $65 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,487Mortgage$684Costs
Outgoings exceed rent — you top up $472/mo
Mortgage$1,487
Costs$684
Management$170
Maintenance$67
Insurance$28
CapEx reserve$85
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$472
Returns
Return before costson price6.84%
Cash returnon cash-2.91%
Gross margin$949
Cash needed$195,112
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.64
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
$20,376
$8,203
$17,843
$0
$0
-$5,670
-$5,670
Year 2
$20,987
$8,449
$17,843
$0
$0
-$5,304
-$10,974
Year 3
$21,617
$8,702
$17,843
$0
$0
-$4,928
-$15,902
Year 4
$22,265
$8,963
$17,843
$0
$0
-$4,541
-$20,443
Year 5
$22,933
$9,232
$17,843
$0
$0
-$4,142
-$24,585
Year 5 disposal
Disposal gain (gross)-$99,230
CGT$0
Net Disposal proceeds$320,780
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 · 6003.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Eden Cay Plan, Timbergate Ranches, Edinburgh, IN 46124
single_family · 3 bed · 2 bath · 1,696 sqft
$297,990
est $1,698 · 6.84% gross
↓ PRICE CUT ×1 −1%
1 / 20
48/100
Caution
6.84% — verify the rent + comps locally.
6.84% Return before costs — around the area average for this property type.
Monthly profit −$472/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$472/mo
You top up $472/mo
Price
$298K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$195K
Deposit + fees + refurb
Return before costson price6.84%5-yr return on cash -13%Rent est. $1,698 ($1,625–$1,774)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,625–$1,774/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $74,498
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $79,400–$148,420 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $223,492.5 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$472
after mortgage, operating costs & tax
Rent in$1,698/mo
$1,633Collected
$1,633/mo actually reaches you — the other $65 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,487Mortgage$684Costs
Outgoings exceed rent — you top up $472/mo
Mortgage$1,487
Costs$684
Management$170
Maintenance$67
Insurance$28
CapEx reserve$85
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$472
Returns
Return before costson price6.84%
Cash returnon cash-2.91%
Gross margin$949
Cash needed$195,112
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.64
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
$20,376
$8,203
$17,843
$0
$0
-$5,670
-$5,670
Year 2
$20,987
$8,449
$17,843
$0
$0
-$5,304
-$10,974
Year 3
$21,617
$8,702
$17,843
$0
$0
-$4,928
-$15,902
Year 4
$22,265
$8,963
$17,843
$0
$0
-$4,541
-$20,443
Year 5
$22,933
$9,232
$17,843
$0
$0
-$4,142
-$24,585
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$195K
25% deposit$74,498
Refurb$113,910
Legal + survey$2,150
Mortgage + broker$5,470
Cash needed$195,112
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