No rent data on file — verify locally before offering.
Why it works
Monthly profit +$4,475/mo from completion — the no.1 reason to invest
824.2% 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
$6K
Return before costson price
—
est rent $5,743not enough comparables
Cash needed
$5K
deposit + costs
Monthly profit
+$4K
net of mgmt + voids
5y Return on your cash
4341.0%
after tax
IRR
824.2%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$4,475
after mortgage, operating costs & tax
Income
Monthly rent+$5,743
After 2wk voids: $5,522/mo
Outgoings
Mortgage-$30
Operating costs-$1,238
show breakdown ▾
Management (10% of rent)-$574
CapEx reserve (5% of rent)-$287
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 price1148.79%
Cash returnon cash1020.71%
Gross margin$4,284
Cash needed$5,261
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check21.62
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
$68,916
$14,860
$359
$0
$10,480
$43,217
$43,217
Year 2
$70,983
$15,306
$359
$0
$10,909
$44,409
$87,626
Year 3
$73,113
$15,765
$359
$0
$11,352
$45,637
$133,263
Year 4
$75,306
$16,238
$359
$0
$11,808
$46,901
$180,164
Year 5
$77,566
$16,725
$359
$0
$12,278
$48,203
$228,367
Year 5 disposal
Disposal gain (gross)-$5,260
CGT$0
Net Disposal proceeds$6,458
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
2-bed · 2-bath · 810 sqft
$25k–$49k
$ per sqft
building cost only
$31–$61
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$5,670–$10,530
Flooring · Carpet on bedrooms + LVT/laminate downstairs$8,910–$17,010
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
1148.79%
+$4,475
$5,261
4341.0%
Low
Feasible
Housing-benefit rent
861.54%
+$3,058
$5,261
3001.0%
Med
Feasible
Council lease
0.00%
-$186
$5,261
-223.1%
Low
Feasible
Refurb & refinance
1148.79%
+$4,475
$6,461
3534.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$156
$10,825
-69%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabled
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$5,999
Deposit (25%)$1,500
Refurb$3,599
Legal + survey$2,000
Mortgage fees$1,090
Total cash neededdeposit + costs (loan covers the rest)$5,261
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$27
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
$6K
vs comparable
Return before costs
—
est rent $5,743/monot enough comparables
Bedrooms
2
2 bath
What we verified
3 total
1101
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$4,475
after mortgage, operating costs & tax
Income
Monthly rent+$5,743
After 2wk voids: $5,522/mo
Outgoings
Mortgage-$30
Operating costs-$1,238
show breakdown ▾
Management (10% of rent)-$574
CapEx reserve (5% of rent)-$287
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 price1148.79%
Cash returnon cash1020.71%
Gross margin$4,284
Cash needed$5,261
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check21.62
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
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$63
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$228,367
Acquisition costs
$5K
25% deposit$1,500
Refurb$3,599
Legal + survey$2,000
Mortgage + broker$1,090
Cash needed$5,261
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice