Real 24.65% return before costs with manageable risks.
Why it works
Monthly profit +$771/mo from completion — the no.1 reason to invest
24.65% return before costs — above-market
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
+$771/mo
Pays you every month, net of costs
Price
$85K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$74K
Deposit + fees + refurb
Return before costson price24.65%5-yr return on cash 55%Rent est. $1,746 ($1,484–$2,054)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,484–$2,054/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $21,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $85,000 asking ($51,000). Raw model: $50,180–$94,290. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $63,750 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$771
after mortgage, operating costs & tax
Rent in$1,746/mo
$1,679Collected
$1,679/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$424Mortgage$551Costs$771Your profit
$771/mo left as profit · 46% of rent kept
Mortgage$424
Costs$551
Management$175
Maintenance$67
Insurance$20
CapEx reserve$87
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$771
Returns
Return before costson price24.65%
Cash returnon cash12.48%
Gross margin$1,128
Cash needed$74,163
Monthly profit payback8y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.89
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
$20,952
$6,607
$5,090
$0
$1,758
$7,497
$7,497
Year 2
$21,581
$6,805
$5,090
$0
$1,840
$7,846
$15,343
Year 3
$22,228
$7,010
$5,090
$0
$1,924
$8,205
$23,548
Year 4
$22,895
$7,220
$5,090
$0
$2,011
$8,574
$32,122
Year 5
$23,582
$7,436
$5,090
$0
$2,101
$8,955
$41,077
Year 5 disposal
Disposal gain (gross)-$47,899
CGT$0
Net Disposal proceeds$91,501
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6461.6 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
24.65% Return before costs — above-market
Monthly cashflow
+$771/mo
Pays you every month, net of costs
Price
$85K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$74K
Deposit + fees + refurb
Return before costson price24.65%5-yr return on cash 55%Rent est. $1,746 ($1,484–$2,054)
Bedrooms
4
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,484–$2,054/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $21,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $85,000 asking ($51,000). Raw model: $50,180–$94,290. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $63,750 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$771
after mortgage, operating costs & tax
Rent in$1,746/mo
$1,679Collected
$1,679/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$424Mortgage$551Costs$771Your profit
$771/mo left as profit · 46% of rent kept
Mortgage$424
Costs$551
Management$175
Maintenance$67
Insurance$20
CapEx reserve$87
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$771
Returns
Return before costson price24.65%
Cash returnon cash12.48%
Gross margin$1,128
Cash needed$74,163
Monthly profit payback8y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check1.89
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
$20,952
$6,607
$5,090
$0
$1,758
$7,497
$7,497
Year 2
$21,581
$6,805
$5,090
$0
$1,840
$7,846
$15,343
Year 3
$22,228
$7,010
$5,090
$0
$1,924
$8,205
$23,548
Year 4
$22,895
$7,220
$5,090
$0
$2,011
$8,574
$32,122
Year 5
$23,582
$7,436
$5,090
$0
$2,101
$8,955
$41,077
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$74K
25% deposit$21,250
Refurb$51,000
Legal + survey$1,700
Mortgage + broker$2,275
Cash needed$74,163
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