Monthly profit +$14,217/mo from completion — the no.1 reason to invest
10.36% 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
$25.00M
Return before costson price
10.36%
est rent $215,789not enough comparables
Cash needed
$7.44M
deposit + costs
Monthly profit
+$14K
net of mgmt + voids
5y Return on your cash
13.8%
after tax
IRR
4.5%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $6,248,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$14,217
after mortgage, operating costs & tax
Income
Monthly rent+$215,789
After 2wk voids: $207,489/mo
Outgoings
Mortgage-$124,719
Operating costs-$76,852
show breakdown ▾
Management (10% of rent)-$21,579
CapEx reserve (5% of rent)-$10,789
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.36%
Cash returnon cash2.29%
Gross margin$130,637
Cash needed$7,443,666
Monthly profit payback43y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check0.94
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
$2,589,468
$922,229
$1,496,631
$0
$41,461
$129,147
$129,147
Year 2
$2,667,152
$949,895
$1,496,631
$0
$54,716
$165,909
$295,057
Year 3
$2,747,167
$978,392
$1,496,631
$0
$68,036
$204,107
$499,164
Year 4
$2,829,582
$1,007,744
$1,496,631
$0
$81,302
$243,904
$743,068
Year 5
$2,914,469
$1,037,976
$1,496,631
$0
$94,965
$284,896
$1,027,964
Year 5 disposal
Disposal gain (gross)$930,427
CGT$232,607
Net Disposal proceeds$26,673,980
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5066.4 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $6,248,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$14,217
after mortgage, operating costs & tax
Income
Monthly rent+$215,789
After 2wk voids: $207,489/mo
Outgoings
Mortgage-$124,719
Operating costs-$76,852
show breakdown ▾
Management (10% of rent)-$21,579
CapEx reserve (5% of rent)-$10,789
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.36%
Cash returnon cash2.29%
Gross margin$130,637
Cash needed$7,443,666
Monthly profit payback43y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check0.94
Rent-covers-mortgage check FAIL (need ≥ 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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$262,448
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$1,027,964
Acquisition costs
$7.4M
25% deposit$6,248,750
Refurb$477,560
Legal + survey$3,700
Mortgage + broker$375,925
Cash needed$7,443,666
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