No rent data on file — verify locally before offering.
Why it works
Why to be cautious
Floor area 480 sqft — small for the type
-9.7% 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
$45K
Return before costson price
—
est rent $775not enough comparables
Cash needed
$40K
deposit + costs
Monthly profit
+$199
net of mgmt + voids
5y Return on your cash
27.6%
after tax
IRR
-9.7%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $11,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$199
after mortgage, operating costs & tax
Income
Monthly rent+$775
After 2wk voids: $745/mo
Outgoings
Mortgage-$224
Operating costs-$352
show breakdown ▾
Management (10% of rent)-$78
CapEx reserve (5% of rent)-$39
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price20.71%
Cash returnon cash6.03%
Gross margin$393
Cash needed$39,624
Monthly profit payback16y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.26
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
$9,300
$4,222
$2,688
$0
$454
$1,936
$1,936
Year 2
$9,579
$4,348
$2,688
$0
$483
$2,059
$3,995
Year 3
$9,866
$4,479
$2,688
$0
$513
$2,186
$6,181
Year 4
$10,162
$4,613
$2,688
$0
$544
$2,317
$8,498
Year 5
$10,467
$4,752
$2,688
$0
$575
$2,452
$10,950
Year 5 disposal
Disposal gain (gross)-$26,104
CGT$0
Net Disposal proceeds$48,334
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5407.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
20.71% Return before costs — around the area average for this property type.
Monthly profit +$199/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$45K
vs comparable
Return before costs
—
est rent $775/monot enough comparables
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $11,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$199
after mortgage, operating costs & tax
Income
Monthly rent+$775
After 2wk voids: $745/mo
Outgoings
Mortgage-$224
Operating costs-$352
show breakdown ▾
Management (10% of rent)-$78
CapEx reserve (5% of rent)-$39
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price20.71%
Cash returnon cash6.03%
Gross margin$393
Cash needed$39,624
Monthly profit payback16y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.26
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 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$471
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$10,950
Acquisition costs
$40K
25% deposit$11,225
Refurb$26,940
Legal + survey$1,700
Mortgage + broker$1,674
Cash needed$39,624
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