No rent data on file — verify locally before offering.
Why it works
Monthly profit +$3,591/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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
+$4K/mo
Pays you every month, net of costs
Price
$240K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$209K
Deposit + fees + refurb
5-yr return on cash 90%Rent est. $6,499 ($5,524–$7,646)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,524–$7,646/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $60,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $240,000 asking ($144,000). Raw model: $96,830–$180,790. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $180,000 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$3,591
after mortgage, operating costs & tax
Rent in$6,499/mo
$6,249Collected
$6,249/mo actually reaches you — the other $250 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,198Mortgage$1,711Costs$3,591Your profit
$3,591/mo left as profit · 57% of rent kept
Mortgage$1,198
Costs$1,711
Management$650
Maintenance$67
Insurance$28
CapEx reserve$325
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$3,591
Returns
Return before costson price32.50%
Cash returnon cash20.58%
Gross margin$4,538
Cash needed$209,400
Monthly profit payback4y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check2.70
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
$77,988
$20,530
$14,370
$0
$8,187
$34,901
$34,901
Year 2
$80,328
$21,146
$14,370
$0
$8,514
$36,297
$71,198
Year 3
$82,737
$21,780
$14,370
$0
$8,852
$37,735
$108,933
Year 4
$85,220
$22,434
$14,370
$0
$9,199
$39,217
$148,150
Year 5
$87,776
$23,107
$14,370
$0
$9,579
$40,720
$188,870
Year 5 disposal
Disposal gain (gross)-$132,145
CGT$0
Net Disposal proceeds$258,355
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 cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7190.5 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$4K/mo
Pays you every month, net of costs
Price
$240K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$209K
Deposit + fees + refurb
5-yr return on cash 90%Rent est. $6,499 ($5,524–$7,646)
Bedrooms
6
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,524–$7,646/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $60,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $240,000 asking ($144,000). Raw model: $96,830–$180,790. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $180,000 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$3,591
after mortgage, operating costs & tax
Rent in$6,499/mo
$6,249Collected
$6,249/mo actually reaches you — the other $250 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,198Mortgage$1,711Costs$3,591Your profit
$3,591/mo left as profit · 57% of rent kept
Mortgage$1,198
Costs$1,711
Management$650
Maintenance$67
Insurance$28
CapEx reserve$325
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$3,591
Returns
Return before costson price32.50%
Cash returnon cash20.58%
Gross margin$4,538
Cash needed$209,400
Monthly profit payback4y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check2.70
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
$77,988
$20,530
$14,370
$0
$8,187
$34,901
$34,901
Year 2
$80,328
$21,146
$14,370
$0
$8,514
$36,297
$71,198
Year 3
$82,737
$21,780
$14,370
$0
$8,852
$37,735
$108,933
Year 4
$85,220
$22,434
$14,370
$0
$9,199
$39,217
$148,150
Year 5
$87,776
$23,107
$14,370
$0
$9,579
$40,720
$188,870
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$209K
25% deposit$60,000
Refurb$144,000
Legal + survey$1,700
Mortgage + broker$4,600
Cash needed$209,400
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice