-16.0% 5y IRR — capital outlay disproportionate to returns
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
$234K
Return before costson price
11.41%
est rent $2,224not enough comparables
Cash needed
$204K
deposit + costs
Monthly profit
+$160
net of mgmt + voids
5y Return on your cash
5.8%
after tax
IRR
-16.0%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $58,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$160
after mortgage, operating costs & tax
Income
Monthly rent+$2,224
After 2wk voids: $2,138/mo
Outgoings
Mortgage-$1,168
Operating costs-$897
show breakdown ▾
Management (10% of rent)-$222
CapEx reserve (5% of rent)-$111
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price11.41%
Cash returnon cash0.94%
Gross margin$1,242
Cash needed$204,165
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.95
Rent-covers-mortgage check FAIL (need ≥ 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
$26,688
$10,761
$14,011
$0
$364
$1,552
$1,552
Year 2
$27,489
$11,084
$14,011
$0
$455
$1,939
$3,491
Year 3
$28,313
$11,416
$14,011
$0
$548
$2,338
$5,829
Year 4
$29,163
$11,759
$14,011
$0
$645
$2,748
$8,576
Year 5
$30,038
$12,111
$14,011
$0
$744
$3,171
$11,747
Year 5 disposal
Disposal gain (gross)-$128,884
CGT$0
Net Disposal proceeds$251,896
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7161.1 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $58,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$160
after mortgage, operating costs & tax
Income
Monthly rent+$2,224
After 2wk voids: $2,138/mo
Outgoings
Mortgage-$1,168
Operating costs-$897
show breakdown ▾
Management (10% of rent)-$222
CapEx reserve (5% of rent)-$111
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price11.41%
Cash returnon cash0.94%
Gross margin$1,242
Cash needed$204,165
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.95
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$2,457
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$11,747
Acquisition costs
$204K
25% deposit$58,500
Refurb$140,400
Legal + survey$1,700
Mortgage + broker$4,510
Cash needed$204,165
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice