No rent data on file — verify locally before offering.
Why it works
Monthly profit +$5,735/mo from completion — the no.1 reason to invest
312.6% 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
$20K
Return before costson price
—
est rent $7,410not enough comparables
Cash needed
$18K
deposit + costs
Monthly profit
+$6K
net of mgmt + voids
5y Return on your cash
1640.4%
after tax
IRR
312.6%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $5,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$5,735
after mortgage, operating costs & tax
Income
Monthly rent+$7,410
After 2wk voids: $7,125/mo
Outgoings
Mortgage-$100
Operating costs-$1,575
show breakdown ▾
Management (10% of rent)-$741
CapEx reserve (5% of rent)-$371
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price444.60%
Cash returnon cash392.58%
Gross margin$5,550
Cash needed$17,530
Monthly profit payback4m
Data confidence
Lender stress test
Rent-covers-mortgage check18.62
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
$88,920
$18,904
$1,198
$0
$14,487
$54,331
$54,331
Year 2
$91,588
$19,471
$1,198
$0
$15,044
$55,875
$110,206
Year 3
$94,335
$20,055
$1,198
$0
$15,617
$57,465
$167,672
Year 4
$97,165
$20,657
$1,198
$0
$16,207
$59,104
$226,776
Year 5
$100,080
$21,277
$1,198
$0
$16,816
$60,790
$287,566
Year 5 disposal
Disposal gain (gross)-$12,570
CGT$0
Net Disposal proceeds$21,530
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 3-bath · 2300 sqft
$55k–$107k
$ per sqft
building cost only
$24–$46
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
3 × bathroom · Full strip + retile$9,975–$19,950
Paint + decor$16,100–$29,900
Flooring · Carpet on bedrooms + LVT/laminate downstairs$25,300–$48,300
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale historyShort-let (SA) contextHousing-benefit (LHA) scheme detail
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
444.60%
+$5,735
$17,530
1640.4%
Low
Feasible
Housing-benefit rent
333.48%
+$3,907
$17,530
1150.0%
Med
Feasible
Council lease
0.00%
-$279
$17,530
-99.2%
Low
Feasible
Refurb & refinance
444.60%
+$5,735
$21,530
1335.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$179
$36,080
-40%
Med
Feasible
Rent by the room
108.00%
+$1,619
$38,730
89.9%
—
Feasible
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$20,000
Deposit (25%)$5,000
Refurb$12,000
Legal + survey$1,700
Mortgage fees$1,300
Total cash neededdeposit + costs (loan covers the rest)$17,530
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: NY
Effective rate0.40%
Total at sale$80
Graduated rate — slab-calculated at this price
About this propertyNearby active comparables
Comparable rentals
same beds + type
No nearby rentals matched on postcode prefix + bedrooms + property type.
Other deals nearby
±25% price band
No other nearby investment deals matched on postcode prefix + bedrooms.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$20K
vs comparable
Return before costs
—
est rent $7,410/monot enough comparables
Bedrooms
3
3 bath
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $5,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$5,735
after mortgage, operating costs & tax
Income
Monthly rent+$7,410
After 2wk voids: $7,125/mo
Outgoings
Mortgage-$100
Operating costs-$1,575
show breakdown ▾
Management (10% of rent)-$741
CapEx reserve (5% of rent)-$371
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price444.60%
Cash returnon cash392.58%
Gross margin$5,550
Cash needed$17,530
Monthly profit payback4m
Data confidence
Lender stress test
Rent-covers-mortgage check18.62
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$210
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$287,566
Acquisition costs
$18K
25% deposit$5,000
Refurb$12,000
Legal + survey$1,700
Mortgage + broker$1,300
Cash needed$17,530
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