Monthly profit +$249/mo from completion — the no.1 reason to invest
19.57% return before costs — above-market
Why to be cautious
-9.2% 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
$54K
Return before costson price
19.57%
est rent $879not enough comparables
Cash needed
$47K
deposit + costs
Monthly profit
+$249
net of mgmt + voids
5y Return on your cash
29.0%
after tax
IRR
-9.2%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $13,475
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$249
after mortgage, operating costs & tax
Income
Monthly rent+$879
After 2wk voids: $845/mo
Outgoings
Mortgage-$269
Operating costs-$361
show breakdown ▾
Management (10% of rent)-$88
CapEx reserve (5% of rent)-$44
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price19.57%
Cash returnon cash6.35%
Gross margin$484
Cash needed$47,028
Monthly profit payback15y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.33
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
$10,548
$4,332
$3,227
$0
$568
$2,420
$2,420
Year 2
$10,864
$4,462
$3,227
$0
$603
$2,572
$4,992
Year 3
$11,190
$4,596
$3,227
$0
$640
$2,727
$7,719
Year 4
$11,526
$4,734
$3,227
$0
$677
$2,888
$10,607
Year 5
$11,872
$4,876
$3,227
$0
$716
$3,052
$13,659
Year 5 disposal
Disposal gain (gross)-$30,996
CGT$0
Net Disposal proceeds$58,022
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6443.6 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $13,475
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$249
after mortgage, operating costs & tax
Income
Monthly rent+$879
After 2wk voids: $845/mo
Outgoings
Mortgage-$269
Operating costs-$361
show breakdown ▾
Management (10% of rent)-$88
CapEx reserve (5% of rent)-$44
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price19.57%
Cash returnon cash6.35%
Gross margin$484
Cash needed$47,028
Monthly profit payback15y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.33
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)0 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$566
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$13,659
Acquisition costs
$47K
25% deposit$13,475
Refurb$32,340
Legal + survey$1,700
Mortgage + broker$1,809
Cash needed$47,028
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