No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,520/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
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 4352%Rent est. $2,075
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $513
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,050 asking ($1,230). Raw model: $66,840–$125,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,537.5 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
+$1,520
after mortgage, operating costs & tax
Rent in$2,075/mo
$1,995Collected
$1,995/mo actually reaches you — the other $80 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$544Costs$1,520Your profit
$1,520/mo left as profit · 76% of rent kept
Mortgage$10
Costs$544
Management$208
Maintenance$67
Insurance$20
CapEx reserve$104
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$1,520
Returns
Return before costson price1214.63%
Cash returnon cash1011.49%
Gross margin$1,451
Cash needed$1,804
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.88
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
$24,900
$6,534
$123
$0
$3,466
$14,778
$14,778
Year 2
$25,647
$6,730
$123
$0
$3,571
$15,224
$30,001
Year 3
$26,416
$6,932
$123
$0
$3,679
$15,683
$45,684
Year 4
$27,209
$7,139
$123
$0
$3,790
$16,157
$61,841
Year 5
$28,025
$7,354
$123
$0
$3,904
$16,645
$78,486
Year 5 disposal
Disposal gain (gross)-$3,114
CGT$0
Net Disposal proceeds$2,207
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 cohort4 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4998.2 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
+$2K/mo
Pays you every month, net of costs
Price
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 4352%Rent est. $2,075
Bedrooms
4
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $513
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,050 asking ($1,230). Raw model: $66,840–$125,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,537.5 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
+$1,520
after mortgage, operating costs & tax
Rent in$2,075/mo
$1,995Collected
$1,995/mo actually reaches you — the other $80 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$544Costs$1,520Your profit
$1,520/mo left as profit · 76% of rent kept
Mortgage$10
Costs$544
Management$208
Maintenance$67
Insurance$20
CapEx reserve$104
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$1,520
Returns
Return before costson price1214.63%
Cash returnon cash1011.49%
Gross margin$1,451
Cash needed$1,804
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.88
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
$24,900
$6,534
$123
$0
$3,466
$14,778
$14,778
Year 2
$25,647
$6,730
$123
$0
$3,571
$15,224
$30,001
Year 3
$26,416
$6,932
$123
$0
$3,679
$15,683
$45,684
Year 4
$27,209
$7,139
$123
$0
$3,790
$16,157
$61,841
Year 5
$28,025
$7,354
$123
$0
$3,904
$16,645
$78,486
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
$2K
25% deposit$513
Refurb$1,230
Legal + survey$2,000
Mortgage + broker$1,031
Cash needed$1,804
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