No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,846/mo from completion — the no.1 reason to invest
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 →
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$105K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$92K
Deposit + fees + refurb
5-yr return on cash 105%Rent est. $3,201 ($3,031–$3,381)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,031–$3,381/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $26,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $105,000 asking ($63,000). Raw model: $54,690–$102,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $78,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,846
after mortgage, operating costs & tax
Rent in$3,201/mo
$3,078Collected
$3,078/mo actually reaches you — the other $123 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$524Mortgage$831Costs$1,846Your profit
$1,846/mo left as profit · 60% of rent kept
Mortgage$524
Costs$831
Management$320
Maintenance$67
Insurance$20
CapEx reserve$160
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,846
Returns
Return before costson price36.58%
Cash returnon cash23.99%
Gross margin$2,247
Cash needed$92,348
Monthly profit payback4y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.98
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$38,412
$9,974
$6,287
$0
$4,209
$17,942
$17,942
Year 2
$39,564
$10,273
$6,287
$0
$4,371
$18,633
$36,575
Year 3
$40,751
$10,581
$6,287
$0
$4,538
$19,345
$55,921
Year 4
$41,974
$10,899
$6,287
$0
$4,710
$20,078
$75,999
Year 5
$43,233
$11,225
$6,287
$0
$4,887
$20,833
$96,832
Year 5 disposal
Disposal gain (gross)-$58,770
CGT$0
Net Disposal proceeds$113,030
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 · 6796.7 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$105K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$92K
Deposit + fees + refurb
5-yr return on cash 105%Rent est. $3,201 ($3,031–$3,381)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,031–$3,381/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $26,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $105,000 asking ($63,000). Raw model: $54,690–$102,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $78,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,846
after mortgage, operating costs & tax
Rent in$3,201/mo
$3,078Collected
$3,078/mo actually reaches you — the other $123 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$524Mortgage$831Costs$1,846Your profit
$1,846/mo left as profit · 60% of rent kept
Mortgage$524
Costs$831
Management$320
Maintenance$67
Insurance$20
CapEx reserve$160
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,846
Returns
Return before costson price36.58%
Cash returnon cash23.99%
Gross margin$2,247
Cash needed$92,348
Monthly profit payback4y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.98
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$38,412
$9,974
$6,287
$0
$4,209
$17,942
$17,942
Year 2
$39,564
$10,273
$6,287
$0
$4,371
$18,633
$36,575
Year 3
$40,751
$10,581
$6,287
$0
$4,538
$19,345
$55,921
Year 4
$41,974
$10,899
$6,287
$0
$4,710
$20,078
$75,999
Year 5
$43,233
$11,225
$6,287
$0
$4,887
$20,833
$96,832
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
$92K
25% deposit$26,250
Refurb$63,000
Legal + survey$1,700
Mortgage + broker$2,575
Cash needed$92,348
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