No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,737/mo from completion — the no.1 reason to invest
919.6% 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
$2K
Return before costson price
—
est rent $2,341not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
4868.0%
after tax
IRR
919.6%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $525
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,737
after mortgage, operating costs & tax
Income
Monthly rent+$2,341
After 2wk voids: $2,251/mo
Outgoings
Mortgage-$10
Operating costs-$593
show breakdown ▾
Management (10% of rent)-$234
CapEx reserve (5% of rent)-$117
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 price1337.71%
Cash returnon cash1131.59%
Gross margin$1,658
Cash needed$1,842
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.08
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
$28,092
$7,119
$126
$0
$3,961
$16,886
$16,886
Year 2
$28,935
$7,333
$126
$0
$4,080
$17,396
$34,282
Year 3
$29,803
$7,553
$126
$0
$4,204
$17,920
$52,202
Year 4
$30,697
$7,780
$126
$0
$4,330
$18,461
$70,663
Year 5
$31,618
$8,013
$126
$0
$4,461
$19,018
$89,681
Year 5 disposal
Disposal gain (gross)-$3,141
CGT$0
Net Disposal proceeds$2,261
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
3-bed · 2-bath · 1100 sqft
$30k–$59k
$ per sqft
building cost only
$28–$54
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$7,700–$14,300
Flooring · Carpet on bedrooms + LVT/laminate downstairs$12,100–$23,100
Guide rates · UK May 2026
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
1337.71%
+$1,737
$1,842
4868.0%
Low
Feasible
Housing-benefit rent
1003.43%
+$1,160
$1,842
3250.6%
Med
Feasible
Council lease
0.00%
-$163
$1,842
-560.1%
Low
Feasible
Refurb & refinance
1337.71%
+$1,737
$2,262
3964.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$152
$3,790
-135%
Med
Feasible
Rent by the room
1028.57%
+$1,735
$23,042
175.9%
—
Feasible
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$2,100
Deposit (25%)$525
Refurb$1,260
Legal + survey$2,000
Mortgage fees$1,032
Total cash neededdeposit + costs (loan covers the rest)$1,842
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$10
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
$2K
vs comparable
Return before costs
—
est rent $2,341/monot enough comparables
Bedrooms
3
2 bath
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $525
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,737
after mortgage, operating costs & tax
Income
Monthly rent+$2,341
After 2wk voids: $2,251/mo
Outgoings
Mortgage-$10
Operating costs-$593
show breakdown ▾
Management (10% of rent)-$234
CapEx reserve (5% of rent)-$117
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 price1337.71%
Cash returnon cash1131.59%
Gross margin$1,658
Cash needed$1,842
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.08
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 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$22
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$89,681
Acquisition costs
$2K
25% deposit$525
Refurb$1,260
Legal + survey$2,000
Mortgage + broker$1,032
Cash needed$1,842
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