No rent data on file — verify locally before offering.
Why it works
Monthly profit +$247/mo from completion — the no.1 reason to invest
Why to be cautious
-7.7% 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
$45K
Return before costson price
—
est rent $843not enough comparables
Cash needed
$39K
deposit + costs
Monthly profit
+$247
net of mgmt + voids
5y Return on your cash
34.1%
after tax
IRR
-7.7%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $11,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$247
after mortgage, operating costs & tax
Income
Monthly rent+$843
After 2wk voids: $811/mo
Outgoings
Mortgage-$225
Operating costs-$372
show breakdown ▾
Management (10% of rent)-$84
CapEx reserve (5% of rent)-$42
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price22.48%
Cash returnon cash7.54%
Gross margin$439
Cash needed$39,263
Monthly profit payback13y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.35
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
$10,116
$4,462
$2,694
$0
$562
$2,397
$2,397
Year 2
$10,419
$4,596
$2,694
$0
$594
$2,535
$4,932
Year 3
$10,732
$4,734
$2,694
$0
$628
$2,675
$7,607
Year 4
$11,054
$4,876
$2,694
$0
$662
$2,821
$10,428
Year 5
$11,386
$5,023
$2,694
$0
$697
$2,972
$13,400
Year 5 disposal
Disposal gain (gross)-$26,158
CGT$0
Net Disposal proceeds$48,442
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 · 7584.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
923 Vance Jackson Rd APT 1501, San Antonio, TX 78201
townhouse · 1 bed · 1 bath · 736 sqft
$45,000
est $843
1 / 4
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$247/mo at 25% deposit @ 5.5%
Price
$45K
vs comparable
Return before costs
—
est rent $843/monot enough comparables
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $11,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$247
after mortgage, operating costs & tax
Income
Monthly rent+$843
After 2wk voids: $811/mo
Outgoings
Mortgage-$225
Operating costs-$372
show breakdown ▾
Management (10% of rent)-$84
CapEx reserve (5% of rent)-$42
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price22.48%
Cash returnon cash7.54%
Gross margin$439
Cash needed$39,263
Monthly profit payback13y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.35
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$473
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$13,400
Acquisition costs
$39K
25% deposit$11,250
Refurb$27,000
Legal + survey$1,700
Mortgage + broker$1,675
Cash needed$39,263
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