Monthly profit +$11,560/mo from completion — the no.1 reason to invest
10.32% return before costs — above-market
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
$21.50M
Return before costson price
10.32%
est rent $184,817not enough comparables
Cash needed
$6.39M
deposit + costs
Monthly profit
+$12K
net of mgmt + voids
5y Return on your cash
13.4%
after tax
IRR
4.4%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $5,375,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$11,560
after mortgage, operating costs & tax
Income
Monthly rent+$184,817
After 2wk voids: $177,709/mo
Outgoings
Mortgage-$107,280
Operating costs-$65,977
show breakdown ▾
Management (10% of rent)-$18,482
CapEx reserve (5% of rent)-$9,241
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.32%
Cash returnon cash2.17%
Gross margin$111,732
Cash needed$6,386,210
Monthly profit payback46y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
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
$2,217,804
$791,721
$1,287,360
$0
$33,012
$105,711
$105,711
Year 2
$2,284,338
$815,472
$1,287,360
$0
$44,349
$137,156
$242,867
Year 3
$2,352,868
$839,937
$1,287,360
$0
$56,026
$169,545
$412,413
Year 4
$2,423,454
$865,135
$1,287,360
$0
$67,740
$203,219
$615,632
Year 5
$2,496,158
$891,089
$1,287,360
$0
$79,427
$238,282
$853,914
Year 5 disposal
Disposal gain (gross)$815,384
CGT$203,846
Net Disposal proceeds$22,940,448
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort7 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5069 km
Reason
7-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $5,375,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$11,560
after mortgage, operating costs & tax
Income
Monthly rent+$184,817
After 2wk voids: $177,709/mo
Outgoings
Mortgage-$107,280
Operating costs-$65,977
show breakdown ▾
Management (10% of rent)-$18,482
CapEx reserve (5% of rent)-$9,241
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.32%
Cash returnon cash2.17%
Gross margin$111,732
Cash needed$6,386,210
Monthly profit payback46y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)7 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$225,750
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$853,914
Acquisition costs
$6.4M
25% deposit$5,375,000
Refurb$395,210
Legal + survey$3,700
Mortgage + broker$323,500
Cash needed$6,386,210
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