No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,481/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
+$1K/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 7264%Rent est. $2,018
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $300
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,200 asking ($720). Raw model: $38,840–$73,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $900 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,481
after mortgage, operating costs & tax
Rent in$2,018/mo
$1,940Collected
$1,940/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$532Costs$1,481Your profit
$1,481/mo left as profit · 76% of rent kept
Mortgage$6
Costs$532
Management$202
Maintenance$67
Insurance$20
CapEx reserve$101
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$1,481
Returns
Return before costson price2018.00%
Cash returnon cash1688.78%
Gross margin$1,409
Cash needed$1,052
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check8.99
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$24,216
$6,378
$72
$0
$3,376
$14,390
$14,390
Year 2
$24,942
$6,569
$72
$0
$3,477
$14,824
$29,214
Year 3
$25,691
$6,767
$72
$0
$3,582
$15,270
$44,484
Year 4
$26,461
$6,970
$72
$0
$3,690
$15,730
$60,215
Year 5
$27,255
$7,179
$72
$0
$3,801
$16,204
$76,418
Year 5 disposal
Disposal gain (gross)-$2,652
CGT$0
Net Disposal proceeds$1,292
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 · 4910.2 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 7264%Rent est. $2,018
Bedrooms
0
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $300
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,200 asking ($720). Raw model: $38,840–$73,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $900 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,481
after mortgage, operating costs & tax
Rent in$2,018/mo
$1,940Collected
$1,940/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$532Costs$1,481Your profit
$1,481/mo left as profit · 76% of rent kept
Mortgage$6
Costs$532
Management$202
Maintenance$67
Insurance$20
CapEx reserve$101
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$1,481
Returns
Return before costson price2018.00%
Cash returnon cash1688.78%
Gross margin$1,409
Cash needed$1,052
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check8.99
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$24,216
$6,378
$72
$0
$3,376
$14,390
$14,390
Year 2
$24,942
$6,569
$72
$0
$3,477
$14,824
$29,214
Year 3
$25,691
$6,767
$72
$0
$3,582
$15,270
$44,484
Year 4
$26,461
$6,970
$72
$0
$3,690
$15,730
$60,215
Year 5
$27,255
$7,179
$72
$0
$3,801
$16,204
$76,418
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing