Monthly profit +$35,796/mo from completion — the no.1 reason to invest
12.94% return before costs — above-market
8.8% 5y IRR — strong total return on capital
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
$15.50M
Return before costson price
12.94%
est rent $167,131not enough comparables
Cash needed
$4.80M
deposit + costs
Monthly profit
+$36K
net of mgmt + voids
5y Return on your cash
40.1%
after tax
IRR
8.8%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $3,875,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$35,796
after mortgage, operating costs & tax
Income
Monthly rent+$167,131
After 2wk voids: $160,703/mo
Outgoings
Mortgage-$77,341
Operating costs-$53,994
show breakdown ▾
Management (10% of rent)-$16,713
CapEx reserve (5% of rent)-$8,357
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price12.94%
Cash returnon cash8.94%
Gross margin$106,709
Cash needed$4,802,635
Monthly profit payback11y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.17
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
$2,005,572
$647,923
$928,097
$0
$107,388
$322,164
$322,164
Year 2
$2,065,739
$667,361
$928,097
$0
$117,570
$352,711
$674,875
Year 3
$2,127,711
$687,382
$928,097
$0
$128,058
$384,175
$1,059,050
Year 4
$2,191,543
$708,003
$928,097
$0
$138,861
$416,582
$1,475,632
Year 5
$2,257,289
$729,243
$928,097
$0
$149,987
$449,962
$1,925,593
Year 5 disposal
Disposal gain (gross)$386,086
CGT$96,522
Net Disposal proceeds$16,588,899
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort7 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5065.1 km
Reason
7-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $3,875,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$35,796
after mortgage, operating costs & tax
Income
Monthly rent+$167,131
After 2wk voids: $160,703/mo
Outgoings
Mortgage-$77,341
Operating costs-$53,994
show breakdown ▾
Management (10% of rent)-$16,713
CapEx reserve (5% of rent)-$8,357
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price12.94%
Cash returnon cash8.94%
Gross margin$106,709
Cash needed$4,802,635
Monthly profit payback11y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.17
Rent-covers-mortgage check PASS (target 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$162,750
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$1,925,593
Acquisition costs
$4.8M
25% deposit$3,875,000
Refurb$485,635
Legal + survey$3,700
Mortgage + broker$233,500
Cash needed$4,802,635
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