No rent data on file — verify locally before offering.
Why it works
Monthly profit +$6,165/mo from completion — the no.1 reason to invest
1022.4% 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
$7K
Return before costson price
—
est rent $7,830not enough comparables
Cash needed
$6K
deposit + costs
Monthly profit
+$6K
net of mgmt + voids
5y Return on your cash
5394.3%
after tax
IRR
1022.4%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$6,165
after mortgage, operating costs & tax
Income
Monthly rent+$7,830
After 2wk voids: $7,529/mo
Outgoings
Mortgage-$32
Operating costs-$1,632
show breakdown ▾
Management (10% of rent)-$783
CapEx reserve (5% of rent)-$392
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 price1445.54%
Cash returnon cash1297.70%
Gross margin$5,897
Cash needed$5,701
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check29.01
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
$93,960
$19,586
$389
$0
$15,856
$58,129
$58,129
Year 2
$96,779
$20,173
$389
$0
$16,447
$59,769
$117,898
Year 3
$99,682
$20,779
$389
$0
$17,056
$61,458
$179,356
Year 4
$102,673
$21,402
$389
$0
$17,684
$63,197
$242,554
Year 5
$105,753
$22,044
$389
$0
$18,330
$64,990
$307,543
Year 5 disposal
Disposal gain (gross)-$5,533
CGT$0
Net Disposal proceeds$6,997
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
4-bed · 4-bath · 1170 sqft
$38k–$75k
$ per sqft
building cost only
$33–$64
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
4 × bathroom · Full strip + retile$13,300–$26,600
Paint + decor$8,190–$15,210
Flooring · Carpet on bedrooms + LVT/laminate downstairs$12,870–$24,570
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Price & sale historyShort-let (SA) contextHousing-benefit (LHA) scheme detail
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
1445.54%
+$6,165
$5,701
5394.3%
Low
Feasible
Housing-benefit rent
1084.25%
+$4,234
$5,701
3807.9%
Med
Feasible
Council lease
0.00%
-$189
$5,701
-209.0%
Low
Feasible
Refurb & refinance
1445.54%
+$6,165
$7,001
4392.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$156
$11,730
-66%
Med
Feasible
Rent by the room
443.08%
+$1,709
$26,901
261.0%
—
Feasible
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$6,500
Deposit (25%)$1,625
Refurb$3,900
Legal + survey$2,000
Mortgage fees$1,098
Total cash neededdeposit + costs (loan covers the rest)$5,701
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: MA
Effective rate0.46%
Total at sale$30
Flat 0.46% transfer tax
About this propertyNearby active comparables
Comparable rentals
same beds + type
No nearby rentals matched on postcode prefix + bedrooms + property type.
Other deals nearby
±25% price band
No other nearby investment deals matched on postcode prefix + bedrooms.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$7K
vs comparable
Return before costs
—
est rent $7,830/monot enough comparables
Bedrooms
4
4 bath
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$6,165
after mortgage, operating costs & tax
Income
Monthly rent+$7,830
After 2wk voids: $7,529/mo
Outgoings
Mortgage-$32
Operating costs-$1,632
show breakdown ▾
Management (10% of rent)-$783
CapEx reserve (5% of rent)-$392
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 price1445.54%
Cash returnon cash1297.70%
Gross margin$5,897
Cash needed$5,701
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check29.01
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$68
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$307,543
Acquisition costs
$6K
25% deposit$1,625
Refurb$3,900
Legal + survey$2,000
Mortgage + broker$1,098
Cash needed$5,701
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