Monthly profit +$122,344/mo from completion — the no.1 reason to invest
16.76% return before costs — above-market
19.1% 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
$25.00M
Return before costson price
16.76%
est rent $349,065not enough comparables
Cash needed
$7.10M
deposit + costs
Monthly profit
+$122K
net of mgmt + voids
5y Return on your cash
87.2%
after tax
IRR
19.1%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $6,250,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$122,344
after mortgage, operating costs & tax
Income
Monthly rent+$349,065
After 2wk voids: $335,639/mo
Outgoings
Mortgage-$124,744
Operating costs-$101,977
show breakdown ▾
Management (10% of rent)-$34,907
CapEx reserve (5% of rent)-$17,453
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.76%
Cash returnon cash20.66%
Gross margin$233,662
Cash needed$7,104,485
Monthly profit payback4y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.52
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
$4,188,780
$1,223,724
$1,496,931
$0
$367,031
$1,101,094
$1,101,094
Year 2
$4,314,443
$1,260,436
$1,496,931
$0
$389,269
$1,167,808
$2,268,903
Year 3
$4,443,877
$1,298,249
$1,496,931
$0
$412,174
$1,236,523
$3,505,426
Year 4
$4,577,193
$1,337,196
$1,496,931
$0
$435,767
$1,307,299
$4,812,725
Year 5
$4,714,509
$1,377,312
$1,496,931
$0
$460,067
$1,380,199
$6,192,924
Year 5 disposal
Disposal gain (gross)$1,271,285
CGT$317,821
Net Disposal proceeds$26,594,149
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5070 km
Reason
5-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
16.76% Return before costs — above-market
Price
$25.0M
vs comparable
Return before costs
16.76%
est rent $349,065/monot enough comparables
Bedrooms
5
7 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $6,250,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$122,344
after mortgage, operating costs & tax
Income
Monthly rent+$349,065
After 2wk voids: $335,639/mo
Outgoings
Mortgage-$124,744
Operating costs-$101,977
show breakdown ▾
Management (10% of rent)-$34,907
CapEx reserve (5% of rent)-$17,453
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.76%
Cash returnon cash20.66%
Gross margin$233,662
Cash needed$7,104,485
Monthly profit payback4y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.52
Rent-covers-mortgage check PASS (target 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$262,500
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$6,192,924
Acquisition costs
$7.1M
25% deposit$6,250,000
Refurb$136,985
Legal + survey$3,700
Mortgage + broker$376,000
Cash needed$7,104,485
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