No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,301/mo from completion — the no.1 reason to invest
841.5% 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
$2K
Return before costson price
—
est rent $1,800not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
4453.1%
after tax
IRR
841.5%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $431
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,301
after mortgage, operating costs & tax
Income
Monthly rent+$1,800
After 2wk voids: $1,731/mo
Outgoings
Mortgage-$9
Operating costs-$491
show breakdown ▾
Management (10% of rent)-$180
CapEx reserve (5% of rent)-$90
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1252.17%
Cash returnon cash1035.13%
Gross margin$1,240
Cash needed$1,508
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check7.88
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
$21,600
$5,886
$103
$0
$2,966
$12,644
$12,644
Year 2
$22,248
$6,063
$103
$0
$3,056
$13,026
$25,670
Year 3
$22,915
$6,245
$103
$0
$3,148
$13,419
$39,090
Year 4
$23,603
$6,432
$103
$0
$3,243
$13,825
$52,914
Year 5
$24,311
$6,625
$103
$0
$3,341
$14,242
$67,156
Year 5 disposal
Disposal gain (gross)-$2,638
CGT$0
Net Disposal proceeds$1,857
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7025.1 km
Reason
4-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
Price
$2K
vs comparable
Return before costs
—
est rent $1,800/monot enough comparables
Bedrooms
4
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $431
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,301
after mortgage, operating costs & tax
Income
Monthly rent+$1,800
After 2wk voids: $1,731/mo
Outgoings
Mortgage-$9
Operating costs-$491
show breakdown ▾
Management (10% of rent)-$180
CapEx reserve (5% of rent)-$90
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1252.17%
Cash returnon cash1035.13%
Gross margin$1,240
Cash needed$1,508
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check7.88
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 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$18
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$67,156
Acquisition costs
$2K
25% deposit$431
Refurb$1,035
Legal + survey$1,700
Mortgage + broker$1,026
Cash needed$1,508
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