Monthly profit +$245/mo from completion — the no.1 reason to invest
12.37% return before costs — above-market
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
+$245/mo
Pays you every month, net of costs
Price
$200K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$138K
Deposit + fees + refurb
Return before costson price12.37%5-yr return on cash 11%Rent est. $2,061 ($1,906–$2,229)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,906–$2,229/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,740–$108,330 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $150,000 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
+$245
after mortgage, operating costs & tax
Rent in$2,061/mo
$1,982Collected
$1,982/mo actually reaches you — the other $79 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$818Costs
$245/mo left as profit · 12% of rent kept
Mortgage$998
Costs$818
Management$206
Maintenance$67
Insurance$28
CapEx reserve$103
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$245
Returns
Return before costson price12.37%
Cash returnon cash2.13%
Gross margin$1,163
Cash needed$137,535
Monthly profit payback46y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
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
$24,732
$9,821
$11,975
$0
$558
$2,378
$2,378
Year 2
$25,474
$10,116
$11,975
$0
$643
$2,740
$5,117
Year 3
$26,238
$10,419
$11,975
$0
$730
$3,114
$8,231
Year 4
$27,025
$10,732
$11,975
$0
$820
$3,498
$11,729
Year 5
$27,836
$11,054
$11,975
$0
$913
$3,894
$15,623
Year 5 disposal
Disposal gain (gross)-$73,439
CGT$0
Net Disposal proceeds$215,296
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 · 7207.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price12.37%5-yr return on cash 11%Rent est. $2,061 ($1,906–$2,229)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,906–$2,229/mo · n=34
Financing
DepositYour cash in — the rest is the mortgage25% · $50,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,740–$108,330 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $150,000 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
+$245
after mortgage, operating costs & tax
Rent in$2,061/mo
$1,982Collected
$1,982/mo actually reaches you — the other $79 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$998Mortgage$818Costs
$245/mo left as profit · 12% of rent kept
Mortgage$998
Costs$818
Management$206
Maintenance$67
Insurance$28
CapEx reserve$103
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$245
Returns
Return before costson price12.37%
Cash returnon cash2.13%
Gross margin$1,163
Cash needed$137,535
Monthly profit payback46y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
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
$24,732
$9,821
$11,975
$0
$558
$2,378
$2,378
Year 2
$25,474
$10,116
$11,975
$0
$643
$2,740
$5,117
Year 3
$26,238
$10,419
$11,975
$0
$730
$3,114
$8,231
Year 4
$27,025
$10,732
$11,975
$0
$820
$3,498
$11,729
Year 5
$27,836
$11,054
$11,975
$0
$913
$3,894
$15,623
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$138K
25% deposit$50,000
Refurb$83,035
Legal + survey$1,700
Mortgage + broker$4,000
Cash needed$137,535
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