No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,907/mo from completion — the no.1 reason to invest
1021.8% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Floor area 400 sqft — small for the type
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 $2,550not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
5410.5%
after tax
IRR
1021.8%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $519
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,907
after mortgage, operating costs & tax
Income
Monthly rent+$2,550
After 2wk voids: $2,452/mo
Outgoings
Mortgage-$10
Operating costs-$633
show breakdown ▾
Management (10% of rent)-$255
CapEx reserve (5% of rent)-$128
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 price1474.70%
Cash returnon cash1257.75%
Gross margin$1,819
Cash needed$1,819
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check10.99
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
$30,600
$7,592
$124
$0
$4,348
$18,536
$18,536
Year 2
$31,518
$7,820
$124
$0
$4,479
$19,095
$37,631
Year 3
$32,464
$8,054
$124
$0
$4,614
$19,671
$57,302
Year 4
$33,437
$8,296
$124
$0
$4,753
$20,264
$77,566
Year 5
$34,441
$8,545
$124
$0
$4,897
$20,875
$98,441
Year 5 disposal
Disposal gain (gross)-$3,128
CGT$0
Net Disposal proceeds$2,234
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4876.1 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $519
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,907
after mortgage, operating costs & tax
Income
Monthly rent+$2,550
After 2wk voids: $2,452/mo
Outgoings
Mortgage-$10
Operating costs-$633
show breakdown ▾
Management (10% of rent)-$255
CapEx reserve (5% of rent)-$128
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 price1474.70%
Cash returnon cash1257.75%
Gross margin$1,819
Cash needed$1,819
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check10.99
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)0 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$22
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$98,441
Acquisition costs
$2K
25% deposit$519
Refurb$1,245
Legal + survey$2,000
Mortgage + broker$1,031
Cash needed$1,819
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