No rent data on file — verify locally before offering.
Why it works
Monthly profit +$3,276/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
+$3K/mo
Pays you every month, net of costs
Price
$89K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$78K
Deposit + fees + refurb
5-yr return on cash 218%Rent est. $4,850 ($4,760–$4,942)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,760–$4,942/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · $22,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $89,000 asking ($53,400). Raw model: $78,690–$146,830. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $66,750 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
+$3,276
after mortgage, operating costs & tax
Rent in$4,850/mo
$4,663Collected
$4,663/mo actually reaches you — the other $187 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,130Costs$3,276Your profit
$3,276/mo left as profit · 70% of rent kept
Mortgage$444
Costs$1,130
Management$485
Maintenance$67
Insurance$20
CapEx reserve$243
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$3,276
Returns
Return before costson price65.39%
Cash returnon cash50.22%
Gross margin$3,533
Cash needed$78,276
Monthly profit payback2y
Data confidence
Lender stress test
Rent-covers-mortgage check5.14
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
$58,200
$13,561
$5,329
$0
$7,469
$31,841
$31,841
Year 2
$59,946
$13,967
$5,329
$0
$7,723
$32,927
$64,768
Year 3
$61,744
$14,386
$5,329
$0
$7,985
$34,044
$98,812
Year 4
$63,597
$14,818
$5,329
$0
$8,255
$35,195
$134,006
Year 5
$65,505
$15,263
$5,329
$0
$8,533
$36,380
$170,386
Year 5 disposal
Disposal gain (gross)-$50,073
CGT$0
Net Disposal proceeds$95,807
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6811.4 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$3K/mo
Pays you every month, net of costs
Price
$89K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$78K
Deposit + fees + refurb
5-yr return on cash 218%Rent est. $4,850 ($4,760–$4,942)
Bedrooms
5
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,760–$4,942/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · $22,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $89,000 asking ($53,400). Raw model: $78,690–$146,830. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $66,750 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
+$3,276
after mortgage, operating costs & tax
Rent in$4,850/mo
$4,663Collected
$4,663/mo actually reaches you — the other $187 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,130Costs$3,276Your profit
$3,276/mo left as profit · 70% of rent kept
Mortgage$444
Costs$1,130
Management$485
Maintenance$67
Insurance$20
CapEx reserve$243
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$3,276
Returns
Return before costson price65.39%
Cash returnon cash50.22%
Gross margin$3,533
Cash needed$78,276
Monthly profit payback2y
Data confidence
Lender stress test
Rent-covers-mortgage check5.14
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
$58,200
$13,561
$5,329
$0
$7,469
$31,841
$31,841
Year 2
$59,946
$13,967
$5,329
$0
$7,723
$32,927
$64,768
Year 3
$61,744
$14,386
$5,329
$0
$7,985
$34,044
$98,812
Year 4
$63,597
$14,818
$5,329
$0
$8,255
$35,195
$134,006
Year 5
$65,505
$15,263
$5,329
$0
$8,533
$36,380
$170,386
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$78K
25% deposit$22,250
Refurb$53,400
Legal + survey$1,700
Mortgage + broker$2,335
Cash needed$78,276
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