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
$539K
Return before costson price
4.71%
est rent $2,115not enough comparablesRange $1,939–$2,307/mo (Q1–Q3)
Cash needed
$320K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-24.3%
after tax
IRR
—
cash + capital
Rent Range
$1,939–$2,307
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,939–$2,307/mo · n=56
Financing
DepositYour cash in — the rest is the mortgage25% · $134,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $119,470–$222,700 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $404,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,379
after mortgage, operating costs & tax
Rent in$2,034/mo
Where it goes
$2,689$805
Outgoings exceed rent — you top up $1,379/mo
Mortgage$2,689
Costs$805
Management$212
Maintenance$67
Insurance$40
CapEx reserve$106
Voids + council tax$9
Tax—
Shortfall−$1,379
Income
Monthly rent+$2,115
After 2wk voids: $2,034/mo
Outgoings
Mortgage-$2,689
Operating costs-$805
show breakdown ▾
Management (10% of rent)-$212
CapEx reserve (5% of rent)-$106
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price4.71%
Cash returnon cash-5.17%
Gross margin$1,229
Cash needed$319,957
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.48
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$25,380
$9,655
$32,274
$0
$0
-$16,549
-$16,549
Year 2
$26,141
$9,945
$32,274
$0
$0
-$16,078
-$32,627
Year 3
$26,926
$10,243
$32,274
$0
$0
-$15,592
-$48,219
Year 4
$27,733
$10,551
$32,274
$0
$0
-$15,091
-$63,310
Year 5
$28,565
$10,867
$32,274
$0
$0
-$14,576
-$77,886
Year 5 disposal
Disposal gain (gross)-$143,543
CGT$0
Net Disposal proceeds$580,222
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6062.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
4.71% Return before costs — around the area average for this property type.
Monthly profit −$1,379/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$539K
Return before costs
4.71%
est rent $2,115/monot enough comparablesRange $1,939–$2,307/mo (Q1–Q3)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,939–$2,307/mo · n=56
Financing
DepositYour cash in — the rest is the mortgage25% · $134,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $119,470–$222,700 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $404,250 loan + $1,000 booking fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Typical building+landlord cover for $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,379
after mortgage, operating costs & tax
Rent in$2,034/mo
Where it goes
$2,689$805
Outgoings exceed rent — you top up $1,379/mo
Mortgage$2,689
Costs$805
Management$212
Maintenance$67
Insurance$40
CapEx reserve$106
Voids + council tax$9
Tax—
Shortfall−$1,379
Income
Monthly rent+$2,115
After 2wk voids: $2,034/mo
Outgoings
Mortgage-$2,689
Operating costs-$805
show breakdown ▾
Management (10% of rent)-$212
CapEx reserve (5% of rent)-$106
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price4.71%
Cash returnon cash-5.17%
Gross margin$1,229
Cash needed$319,957
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.48
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$25,380
$9,655
$32,274
$0
$0
-$16,549
-$16,549
Year 2
$26,141
$9,945
$32,274
$0
$0
-$16,078
-$32,627
Year 3
$26,926
$10,243
$32,274
$0
$0
-$15,592
-$48,219
Year 4
$27,733
$10,551
$32,274
$0
$0
-$15,091
-$63,310
Year 5
$28,565
$10,867
$32,274
$0
$0
-$14,576
-$77,886
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$320K
25% deposit$134,750
Refurb$171,085
Legal + survey$2,900
Mortgage + broker$9,085
Cash needed$319,957
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice