Monthly profit −$272/mo — significantly negative — real recurring drain
-20.4% 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
$185K
Return before costson price
8.47%
est rent $1,306not enough comparablesRange $1,746–$1,945/mo (Q1–Q3)
Cash needed
$161K
deposit + costs
Monthly profit
−$272
net of mgmt + voids
5y Return on your cash
-8.6%
after tax
IRR
-20.4%
cash + capital
Rent Range
$1,746–$1,945
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,746–$1,945/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$272
after mortgage, operating costs & tax
Income
Monthly rent+$1,306
After 2wk voids: $1,256/mo
Outgoings
Mortgage-$923
Operating costs-$655
show breakdown ▾
Management (10% of rent)-$131
CapEx reserve (5% of rent)-$65
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.47%
Cash returnon cash-2.02%
Gross margin$601
Cash needed$161,413
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.69
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
$15,672
$7,862
$11,077
$0
$0
-$3,267
-$3,267
Year 2
$16,142
$8,097
$11,077
$0
$0
-$3,033
-$6,299
Year 3
$16,626
$8,340
$11,077
$0
$0
-$2,791
-$9,091
Year 4
$17,125
$8,591
$11,077
$0
$0
-$2,543
-$11,633
Year 5
$17,639
$8,848
$11,077
$0
$0
-$2,287
-$13,920
Year 5 disposal
Disposal gain (gross)-$102,251
CGT$0
Net Disposal proceeds$199,149
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 · 7619.7 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $1,306/monot enough comparablesRange $1,746–$1,945/mo (Q1–Q3)
Bedrooms
4
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,746–$1,945/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$272
after mortgage, operating costs & tax
Income
Monthly rent+$1,306
After 2wk voids: $1,256/mo
Outgoings
Mortgage-$923
Operating costs-$655
show breakdown ▾
Management (10% of rent)-$131
CapEx reserve (5% of rent)-$65
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.47%
Cash returnon cash-2.02%
Gross margin$601
Cash needed$161,413
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.69
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$1,943
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$13,920
Acquisition costs
$161K
25% deposit$46,250
Refurb$111,000
Legal + survey$1,700
Mortgage + broker$3,775
Cash needed$161,413
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