No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,951/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 →
Price
$3K
Return before costson price
—
est rent $2,607not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
4593.6%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $625
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,500 asking ($1,500). Raw model: $49,340–$92,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,875 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
+$1,951
after mortgage, operating costs & tax
Rent in$2,507/mo
Where it goes
$644$1,951
$1,951/mo left as profit · 78% of rent kept
Mortgage$12
Costs$644
Management$261
Maintenance$67
Insurance$20
CapEx reserve$130
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,951
Income
Monthly rent+$2,607
After 2wk voids: $2,507/mo
Outgoings
Mortgage-$12
Operating costs-$644
show breakdown ▾
Management (10% of rent)-$261
CapEx reserve (5% of rent)-$130
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 price1251.36%
Cash returnon cash1067.78%
Gross margin$1,863
Cash needed$2,192
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check11.06
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
$31,284
$7,726
$150
$0
$4,448
$18,961
$18,961
Year 2
$32,223
$7,958
$150
$0
$4,582
$19,533
$38,494
Year 3
$33,189
$8,196
$150
$0
$4,720
$20,123
$58,617
Year 4
$34,185
$8,442
$150
$0
$4,863
$20,730
$79,347
Year 5
$35,210
$8,696
$150
$0
$5,009
$21,356
$100,703
Year 5 disposal
Disposal gain (gross)-$3,359
CGT$0
Net Disposal proceeds$2,691
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4879.4 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
Price
$3K
Return before costs
—
est rent $2,607/monot enough comparables
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $625
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,500 asking ($1,500). Raw model: $49,340–$92,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,875 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
+$1,951
after mortgage, operating costs & tax
Rent in$2,507/mo
Where it goes
$644$1,951
$1,951/mo left as profit · 78% of rent kept
Mortgage$12
Costs$644
Management$261
Maintenance$67
Insurance$20
CapEx reserve$130
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,951
Income
Monthly rent+$2,607
After 2wk voids: $2,507/mo
Outgoings
Mortgage-$12
Operating costs-$644
show breakdown ▾
Management (10% of rent)-$261
CapEx reserve (5% of rent)-$130
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 price1251.36%
Cash returnon cash1067.78%
Gross margin$1,863
Cash needed$2,192
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check11.06
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
$31,284
$7,726
$150
$0
$4,448
$18,961
$18,961
Year 2
$32,223
$7,958
$150
$0
$4,582
$19,533
$38,494
Year 3
$33,189
$8,196
$150
$0
$4,720
$20,123
$58,617
Year 4
$34,185
$8,442
$150
$0
$4,863
$20,730
$79,347
Year 5
$35,210
$8,696
$150
$0
$5,009
$21,356
$100,703
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
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Acquisition costs
$2K
25% deposit$625
Refurb$1,500
Legal + survey$2,000
Mortgage + broker$1,038
Cash needed$2,192
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