Monthly profit +$38,958/mo from completion — the no.1 reason to invest
18.41% return before costs — above-market
17.6% 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
$6.50M
Return before costson price
18.41%
est rent $99,663not enough comparables
Cash needed
$2.16M
deposit + costs
Monthly profit
+$39K
net of mgmt + voids
5y Return on your cash
90.5%
after tax
IRR
17.6%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,623,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$38,958
after mortgage, operating costs & tax
Income
Monthly rent+$99,663
After 2wk voids: $95,830/mo
Outgoings
Mortgage-$32,409
Operating costs-$28,296
show breakdown ▾
Management (10% of rent)-$9,966
CapEx reserve (5% of rent)-$4,983
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price18.41%
Cash returnon cash21.67%
Gross margin$67,534
Cash needed$2,157,166
Monthly profit payback4y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.66
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
$1,195,956
$339,555
$388,903
$0
$116,875
$350,623
$350,623
Year 2
$1,231,835
$349,742
$388,903
$0
$123,298
$369,892
$720,515
Year 3
$1,268,790
$360,234
$388,903
$0
$129,913
$389,740
$1,110,255
Year 4
$1,306,853
$371,041
$388,903
$0
$136,727
$410,183
$1,520,438
Year 5
$1,346,059
$382,172
$388,903
$0
$143,746
$431,238
$1,951,676
Year 5 disposal
Disposal gain (gross)$10,570
CGT$2,008
Net Disposal proceeds$6,989,722
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 cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5067.7 km
Reason
6-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
18.41% Return before costs — above-market
Price
$6.5M
vs comparable
Return before costs
18.41%
est rent $99,663/monot enough comparables
Bedrooms
6
8 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,623,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$38,958
after mortgage, operating costs & tax
Income
Monthly rent+$99,663
After 2wk voids: $95,830/mo
Outgoings
Mortgage-$32,409
Operating costs-$28,296
show breakdown ▾
Management (10% of rent)-$9,966
CapEx reserve (5% of rent)-$4,983
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price18.41%
Cash returnon cash21.67%
Gross margin$67,534
Cash needed$2,157,166
Monthly profit payback4y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.66
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)6 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$68,198
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$1,951,676
Acquisition costs
$2.2M
25% deposit$1,623,750
Refurb$352,560
Legal + survey$3,700
Mortgage + broker$98,425
Cash needed$2,157,166
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