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
−$68/mo
You top up $68/mo
Price
$175K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$153K
Deposit + fees + refurb
Return before costson price9.31%5-yr return on cash -1%Rent est. $1,358 ($1,154–$1,598)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,154–$1,598/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $43,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $175,000 asking ($105,000). Raw model: $85,665–$160,055. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $131,250 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
-$68
after mortgage, operating costs & tax
Rent in$1,358/mo
$1,306Collected
$1,306/mo actually reaches you — the other $52 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$873Mortgage$553Costs
Outgoings exceed rent — you top up $68/mo
Mortgage$873
Costs$553
Management$136
Maintenance$67
Insurance$20
CapEx reserve$68
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$68
Returns
Return before costson price9.31%
Cash returnon cash-0.54%
Gross margin$753
Cash needed$152,688
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
Rent-covers-mortgage check FAIL (need ≥ 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
$16,296
$6,639
$10,479
$0
$0
-$821
-$821
Year 2
$16,785
$6,838
$10,479
$0
$0
-$531
-$1,353
Year 3
$17,288
$7,043
$10,479
$0
$0
-$233
-$1,586
Year 4
$17,807
$7,254
$10,479
$0
$14
$60
-$1,525
Year 5
$18,341
$7,472
$10,479
$0
$74
$317
-$1,208
Year 5 disposal
Disposal gain (gross)-$96,816
CGT$0
Net Disposal proceeds$188,384
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6462.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price9.31%5-yr return on cash -1%Rent est. $1,358 ($1,154–$1,598)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,154–$1,598/mo · n=4
Financing
DepositYour cash in — the rest is the mortgage25% · $43,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $175,000 asking ($105,000). Raw model: $85,665–$160,055. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $131,250 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
-$68
after mortgage, operating costs & tax
Rent in$1,358/mo
$1,306Collected
$1,306/mo actually reaches you — the other $52 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$873Mortgage$553Costs
Outgoings exceed rent — you top up $68/mo
Mortgage$873
Costs$553
Management$136
Maintenance$67
Insurance$20
CapEx reserve$68
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$68
Returns
Return before costson price9.31%
Cash returnon cash-0.54%
Gross margin$753
Cash needed$152,688
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
Rent-covers-mortgage check FAIL (need ≥ 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
$16,296
$6,639
$10,479
$0
$0
-$821
-$821
Year 2
$16,785
$6,838
$10,479
$0
$0
-$531
-$1,353
Year 3
$17,288
$7,043
$10,479
$0
$0
-$233
-$1,586
Year 4
$17,807
$7,254
$10,479
$0
$14
$60
-$1,525
Year 5
$18,341
$7,472
$10,479
$0
$74
$317
-$1,208
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
$153K
25% deposit$43,750
Refurb$105,000
Legal + survey$1,700
Mortgage + broker$3,625
Cash needed$152,688
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