Monthly profit +$1,001/mo from completion — the no.1 reason to invest
23.28% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
-4.0% 5y IRR — capital outlay disproportionate to returns
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
$125K
Return before costson price
23.28%
est rent $2,425not enough comparables
Cash needed
$111K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
48.3%
after tax
IRR
-4.0%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $31,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,001
after mortgage, operating costs & tax
Income
Monthly rent+$2,425
After 2wk voids: $2,332/mo
Outgoings
Mortgage-$624
Operating costs-$801
show breakdown ▾
Management (10% of rent)-$243
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price23.28%
Cash returnon cash10.85%
Gross margin$1,531
Cash needed$110,676
Monthly profit payback9y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.75
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
$29,100
$9,609
$7,485
$0
$2,281
$9,725
$9,725
Year 2
$29,973
$9,898
$7,485
$0
$2,392
$10,199
$19,924
Year 3
$30,872
$10,194
$7,485
$0
$2,507
$10,686
$30,610
Year 4
$31,798
$10,500
$7,485
$0
$2,625
$11,188
$41,799
Year 5
$32,752
$10,815
$7,485
$0
$2,746
$11,706
$53,505
Year 5 disposal
Disposal gain (gross)-$69,640
CGT$0
Net Disposal proceeds$134,560
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 · 4843.9 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
23.28% Return before costs — above-market
Price
$125K
vs comparable
Return before costs
23.28%
est rent $2,425/monot enough comparables
Bedrooms
2
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $31,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,001
after mortgage, operating costs & tax
Income
Monthly rent+$2,425
After 2wk voids: $2,332/mo
Outgoings
Mortgage-$624
Operating costs-$801
show breakdown ▾
Management (10% of rent)-$243
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price23.28%
Cash returnon cash10.85%
Gross margin$1,531
Cash needed$110,676
Monthly profit payback9y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.75
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$1,313
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$53,505
Acquisition costs
$111K
25% deposit$31,250
Refurb$75,000
Legal + survey$1,700
Mortgage + broker$2,875
Cash needed$110,676
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