No rent data on file — verify locally before offering.
Why it works
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
—
Not modelled
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
—
Deposit + fees + refurb
Rent est. $3,661
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $84,540–$157,830 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,821
after mortgage, operating costs & tax
Rent in$3,661/mo
$3,520Collected
$3,520/mo actually reaches you — the other $141 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$840Costs$2,821Your profit
$2,821/mo left as profit · 80% of rent kept
Mortgage$0
Costs$840
Management$366
Maintenance$67
Insurance$28
CapEx reserve$183
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$2,821
Returns
Return before costson price0.00%
Cash returnon cash27.93%
Gross margin$2,680
Cash needed$121,185
Monthly profit payback3y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check17.08
Rent-covers-mortgage check PASS (target 1.00)
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 · 6366.1 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
+$3K/mo
Pays you every month, net of costs
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$121K
Deposit + fees + refurb
5-yr return on cash 120%Rent est. $3,661
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $84,540–$157,830 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,821
after mortgage, operating costs & tax
Rent in$3,661/mo
$3,520Collected
$3,520/mo actually reaches you — the other $141 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$840Costs$2,821Your profit
$2,821/mo left as profit · 80% of rent kept
Mortgage$0
Costs$840
Management$366
Maintenance$67
Insurance$28
CapEx reserve$183
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$2,821
Returns
Return before costson price0.00%
Cash returnon cash27.93%
Gross margin$2,680
Cash needed$121,185
Monthly profit payback3y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check17.08
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
$43,932
$10,080
$0
$0
$6,432
$27,420
$27,420
Year 2
$45,250
$10,382
$0
$0
$6,625
$28,243
$55,664
Year 3
$46,607
$10,693
$0
$0
$6,824
$29,090
$84,754
Year 4
$48,006
$11,014
$0
$0
$7,028
$29,964
$114,717
Year 5
$49,446
$11,345
$0
$0
$7,239
$30,862
$145,579
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$121K
25% deposit$0
Refurb$121,185
Legal + survey$1,500
Mortgage + broker$1,500
Cash needed$121,185
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