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
−$29/mo
You top up $29/mo
Price
$249K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$151K
Deposit + fees + refurb
Return before costson price10.17%5-yr return on cash 1%Rent est. $2,110 ($1,873–$2,377)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,873–$2,377/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $62,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,705–$108,265 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $186,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$29
after mortgage, operating costs & tax
Rent in$2,110/mo
$2,029Collected
$2,029/mo actually reaches you — the other $81 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,242Mortgage$896Costs
Outgoings exceed rent — you top up $29/mo
Mortgage$1,242
Costs$896
Management$211
Maintenance$67
Insurance$28
CapEx reserve$106
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$29
Returns
Return before costson price10.17%
Cash returnon cash-0.23%
Gross margin$1,133
Cash needed$150,838
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$25,320
$10,755
$14,909
$0
$0
-$345
-$345
Year 2
$26,080
$11,078
$14,909
$0
$18
$74
-$270
Year 3
$26,862
$11,410
$14,909
$0
$103
$439
$169
Year 4
$27,668
$11,752
$14,909
$0
$191
$815
$984
Year 5
$28,498
$12,105
$14,909
$0
$282
$1,202
$2,186
Year 5 disposal
Disposal gain (gross)-$70,622
CGT$0
Net Disposal proceeds$268,043
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 · 7201.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price10.17%5-yr return on cash 1%Rent est. $2,110 ($1,873–$2,377)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,873–$2,377/mo · n=22
Financing
DepositYour cash in — the rest is the mortgage25% · $62,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,705–$108,265 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $186,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$29
after mortgage, operating costs & tax
Rent in$2,110/mo
$2,029Collected
$2,029/mo actually reaches you — the other $81 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,242Mortgage$896Costs
Outgoings exceed rent — you top up $29/mo
Mortgage$1,242
Costs$896
Management$211
Maintenance$67
Insurance$28
CapEx reserve$106
Voids + council tax$6
Ltd co. accounts$104
Tax—
Shortfall−$29
Returns
Return before costson price10.17%
Cash returnon cash-0.23%
Gross margin$1,133
Cash needed$150,838
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$25,320
$10,755
$14,909
$0
$0
-$345
-$345
Year 2
$26,080
$11,078
$14,909
$0
$18
$74
-$270
Year 3
$26,862
$11,410
$14,909
$0
$103
$439
$169
Year 4
$27,668
$11,752
$14,909
$0
$191
$815
$984
Year 5
$28,498
$12,105
$14,909
$0
$282
$1,202
$2,186
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
$151K
25% deposit$62,250
Refurb$82,985
Legal + survey$1,700
Mortgage + broker$4,735
Cash needed$150,838
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