No rent data on file — verify locally before offering.
Why it works
Monthly profit +$265/mo from completion — the no.1 reason to invest
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
+$265/mo
Pays you every month, net of costs
Price
$40K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$35K
Deposit + fees + refurb
5-yr return on cash 41%Rent est. $826
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $10,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $40,000 asking ($24,000). Raw model: $31,840–$60,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $30,000 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$265
after mortgage, operating costs & tax
Rent in$826/mo
$794Collected
$794/mo actually reaches you — the other $32 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$200Mortgage$362Costs$265Your profit
$265/mo left as profit · 33% of rent kept
Mortgage$200
Costs$362
Management$83
Maintenance$67
Insurance$20
CapEx reserve$41
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$265
Returns
Return before costson price24.78%
Cash returnon cash9.10%
Gross margin$433
Cash needed$34,900
Monthly profit payback11y
Data confidence
Lender stress test
Rent-covers-mortgage check1.43
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
$9,912
$4,340
$2,395
$0
$604
$2,573
$2,573
Year 2
$10,209
$4,470
$2,395
$0
$635
$2,709
$5,282
Year 3
$10,516
$4,604
$2,395
$0
$668
$2,848
$8,130
Year 4
$10,831
$4,742
$2,395
$0
$702
$2,992
$11,122
Year 5
$11,156
$4,885
$2,395
$0
$736
$3,140
$14,262
Year 5 disposal
Disposal gain (gross)-$23,441
CGT$0
Net Disposal proceeds$43,059
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 7585.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $10,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $40,000 asking ($24,000). Raw model: $31,840–$60,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $30,000 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$265
after mortgage, operating costs & tax
Rent in$826/mo
$794Collected
$794/mo actually reaches you — the other $32 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$200Mortgage$362Costs$265Your profit
$265/mo left as profit · 33% of rent kept
Mortgage$200
Costs$362
Management$83
Maintenance$67
Insurance$20
CapEx reserve$41
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$265
Returns
Return before costson price24.78%
Cash returnon cash9.10%
Gross margin$433
Cash needed$34,900
Monthly profit payback11y
Data confidence
Lender stress test
Rent-covers-mortgage check1.43
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
$9,912
$4,340
$2,395
$0
$604
$2,573
$2,573
Year 2
$10,209
$4,470
$2,395
$0
$635
$2,709
$5,282
Year 3
$10,516
$4,604
$2,395
$0
$668
$2,848
$8,130
Year 4
$10,831
$4,742
$2,395
$0
$702
$2,992
$11,122
Year 5
$11,156
$4,885
$2,395
$0
$736
$3,140
$14,262
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
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PropertySchoolsUniversitiesStations
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Acquisition costs
$35K
25% deposit$10,000
Refurb$24,000
Legal + survey$1,700
Mortgage + broker$1,600
Cash needed$34,900
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