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
−$19K/mo
You top up $19K/mo
Price
$3.20M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.18M
Deposit + fees + refurb
Return before costson price91.00%5-yr return on cash -95%Rent est. $2,423 ($2,059–$2,851)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,059–$2,851/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $800,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $216,760–$403,110 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $2,400,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$18,631
after mortgage, operating costs & tax
Rent in$2,423/mo
$2,330Collected
$2,330/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$15,967Mortgage$5,087Costs
Outgoings exceed rent — you top up $18,631/mo
Mortgage$15,967
Costs$5,087
Management$242
Maintenance$67
Insurance$40
CapEx reserve$121
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$18,631
Returns
Return before costson price0.91%
Cash returnon cash-18.92%
Gross margin-$2,757
Cash needed$1,181,935
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.08
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
$29,076
$61,040
$191,607
$0
$0
-$223,571
-$223,571
Year 2
$29,948
$62,871
$191,607
$0
$0
-$224,530
-$448,101
Year 3
$30,847
$64,757
$191,607
$0
$0
-$225,517
-$673,618
Year 4
$31,772
$66,700
$191,607
$0
$0
-$226,535
-$900,153
Year 5
$32,725
$68,701
$191,607
$0
$0
-$227,583
-$1,127,735
Year 5 disposal
Disposal gain (gross)-$132,903
CGT$0
Net Disposal proceeds$3,444,732
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7587.8 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price91.00%5-yr return on cash -95%Rent est. $2,423 ($2,059–$2,851)
Bedrooms
5
5 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,059–$2,851/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $800,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $216,760–$403,110 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $2,400,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$18,631
after mortgage, operating costs & tax
Rent in$2,423/mo
$2,330Collected
$2,330/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$15,967Mortgage$5,087Costs
Outgoings exceed rent — you top up $18,631/mo
Mortgage$15,967
Costs$5,087
Management$242
Maintenance$67
Insurance$40
CapEx reserve$121
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$18,631
Returns
Return before costson price0.91%
Cash returnon cash-18.92%
Gross margin-$2,757
Cash needed$1,181,935
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.08
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
$29,076
$61,040
$191,607
$0
$0
-$223,571
-$223,571
Year 2
$29,948
$62,871
$191,607
$0
$0
-$224,530
-$448,101
Year 3
$30,847
$64,757
$191,607
$0
$0
-$225,517
-$673,618
Year 4
$31,772
$66,700
$191,607
$0
$0
-$226,535
-$900,153
Year 5
$32,725
$68,701
$191,607
$0
$0
-$227,583
-$1,127,735
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$1.2M
25% deposit$800,000
Refurb$309,935
Legal + survey$3,700
Mortgage + broker$49,000
Cash needed$1,181,935
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