The rent is our own estimate — worth checking against two or three real local lettings. An empty month costs you 2 months of it, so there is room for things to go wrong.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$394/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $919–$974/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $8,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.00%
3.00%9.00%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $35,000 asking ($21,000). Raw model: $39,855–$75,115. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $26,250 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
+$394
after mortgage, operating costs & tax
Rent in$946/mo
$910Collected
$910/mo actually reaches you — the other $36 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$175Mortgage$377Costs$394Your profit
$394/mo left as profit · 43% of rent kept
Mortgage$175
Costs$377
Management$95
Maintenance$67
Insurance$20
CapEx reserve$47
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$394
Returns
Return before costson price32.43%
Cash returnon cash15.49%
Gross margin$532
Cash needed$30,538
Monthly profit payback6y 6m
Data confidence
One card is deliberately absent.Renting it by the room — Only 1 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.