No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,225/mo from completion — the no.1 reason to invest
512.1% 5y IRR — strong total return on capital
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 →
Price
$3K
Return before costson price
—
est rent $1,715not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
2704.9%
after tax
IRR
512.1%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $663
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,225
after mortgage, operating costs & tax
Income
Monthly rent+$1,715
After 2wk voids: $1,649/mo
Outgoings
Mortgage-$13
Operating costs-$477
show breakdown ▾
Management (10% of rent)-$172
CapEx reserve (5% of rent)-$86
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price776.60%
Cash returnon cash628.58%
Gross margin$1,173
Cash needed$2,339
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check7.21
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$20,580
$5,718
$159
$0
$2,794
$11,909
$11,909
Year 2
$21,197
$5,890
$159
$0
$2,878
$12,271
$24,181
Year 3
$21,833
$6,066
$159
$0
$2,966
$12,642
$36,823
Year 4
$22,488
$6,248
$159
$0
$3,055
$13,026
$49,850
Year 5
$23,163
$6,436
$159
$0
$3,148
$13,421
$63,270
Year 5 disposal
Disposal gain (gross)-$3,440
CGT$0
Net Disposal proceeds$2,853
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknownRefurb costUnknown
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
0-bed · 2-bath · 6899 sqft
$135k–$257k
$ per sqft
building cost only
$20–$37
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$48,293–$89,687
Flooring · Carpet on bedrooms + LVT/laminate downstairs$75,889–$144,879
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale historyShort-let (SA) contextHousing-benefit (LHA) scheme detail
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
776.60%
+$1,225
$2,339
2704.9%
Low
Feasible
Housing-benefit rent
582.34%
+$802
$2,339
1770.9%
Med
Feasible
Council lease
0.00%
-$167
$2,339
-451.4%
Low
Feasible
Refurb & refinance
776.60%
+$1,225
$2,869
2205.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$153
$4,797
-114%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabled
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$2,650
Deposit (25%)$663
Refurb$1,590
Legal + survey$2,000
Mortgage fees$1,040
Total cash neededdeposit + costs (loan covers the rest)$2,339
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: PA
Effective rate1.00%
Total at sale$27
Flat 1.00% transfer tax
About this propertyNearby active comparables
Comparable rentals
same beds + type
No nearby rentals matched on postcode prefix + bedrooms + property type.
Other deals nearby
±25% price band
No other nearby investment deals matched on postcode prefix + bedrooms.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$3K
vs comparable
Return before costs
—
est rent $1,715/monot enough comparables
Bedrooms
0
2 bath
What we verified
3 total
0003
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $663
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,225
after mortgage, operating costs & tax
Income
Monthly rent+$1,715
After 2wk voids: $1,649/mo
Outgoings
Mortgage-$13
Operating costs-$477
show breakdown ▾
Management (10% of rent)-$172
CapEx reserve (5% of rent)-$86
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price776.60%
Cash returnon cash628.58%
Gross margin$1,173
Cash needed$2,339
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check7.21
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)0 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$28
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$63,270
Acquisition costs
$2K
25% deposit$663
Refurb$1,590
Legal + survey$2,000
Mortgage + broker$1,040
Cash needed$2,339
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice