No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,669/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
+$2K/mo
Pays you every month, net of costs
Price
$165K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$144K
Deposit + fees + refurb
5-yr return on cash 62%Rent est. $3,540 ($2,643–$4,741)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,643–$4,741/mo · n=42
Financing
DepositYour cash in — the rest is the mortgage25% · $41,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,000 asking ($99,000). Raw model: $84,750–$158,220. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,669
after mortgage, operating costs & tax
Rent in$3,540/mo
$3,404Collected
$3,404/mo actually reaches you — the other $136 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$823Mortgage$1,048Costs$1,669Your profit
$1,669/mo left as profit · 49% of rent kept
Mortgage$823
Costs$1,048
Management$354
Maintenance$67
Insurance$20
CapEx reserve$177
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,669
Returns
Return before costson price25.75%
Cash returnon cash13.91%
Gross margin$2,356
Cash needed$143,963
Monthly profit payback7y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.06
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
$42,480
$12,578
$9,880
$0
$3,804
$16,218
$16,218
Year 2
$43,754
$12,955
$9,880
$0
$3,975
$16,944
$33,163
Year 3
$45,067
$13,344
$9,880
$0
$4,150
$17,693
$50,856
Year 4
$46,419
$13,744
$9,880
$0
$4,331
$18,464
$69,320
Year 5
$47,812
$14,157
$9,880
$0
$4,517
$19,258
$88,579
Year 5 disposal
Disposal gain (gross)-$91,381
CGT$0
Net Disposal proceeds$177,619
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7381.3 km
Reason
4-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
+$2K/mo
Pays you every month, net of costs
Price
$165K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$144K
Deposit + fees + refurb
5-yr return on cash 62%Rent est. $3,540 ($2,643–$4,741)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,643–$4,741/mo · n=42
Financing
DepositYour cash in — the rest is the mortgage25% · $41,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $165,000 asking ($99,000). Raw model: $84,750–$158,220. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,669
after mortgage, operating costs & tax
Rent in$3,540/mo
$3,404Collected
$3,404/mo actually reaches you — the other $136 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$823Mortgage$1,048Costs$1,669Your profit
$1,669/mo left as profit · 49% of rent kept
Mortgage$823
Costs$1,048
Management$354
Maintenance$67
Insurance$20
CapEx reserve$177
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,669
Returns
Return before costson price25.75%
Cash returnon cash13.91%
Gross margin$2,356
Cash needed$143,963
Monthly profit payback7y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.06
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
$42,480
$12,578
$9,880
$0
$3,804
$16,218
$16,218
Year 2
$43,754
$12,955
$9,880
$0
$3,975
$16,944
$33,163
Year 3
$45,067
$13,344
$9,880
$0
$4,150
$17,693
$50,856
Year 4
$46,419
$13,744
$9,880
$0
$4,331
$18,464
$69,320
Year 5
$47,812
$14,157
$9,880
$0
$4,517
$19,258
$88,579
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
$144K
25% deposit$41,250
Refurb$99,000
Legal + survey$1,700
Mortgage + broker$3,475
Cash needed$143,963
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