No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,242/mo from completion — the no.1 reason to invest
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 →
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$35K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$31K
Deposit + fees + refurb
5-yr return on cash 211%Rent est. $1,964 ($1,798–$2,145)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,798–$2,145/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $8,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $35,000 asking ($21,000). Raw model: $64,910–$121,510. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $26,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,242
after mortgage, operating costs & tax
Rent in$1,964/mo
$1,888Collected
$1,888/mo actually reaches you — the other $76 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$547Costs$1,242Your profit
$1,242/mo left as profit · 66% of rent kept
Mortgage$175
Costs$547
Management$196
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,242
Returns
Return before costson price67.34%
Cash returnon cash48.76%
Gross margin$1,341
Cash needed$30,573
Monthly profit payback2y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check3.91
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$23,568
$6,564
$2,096
$0
$2,833
$12,076
$12,076
Year 2
$24,275
$6,761
$2,096
$0
$2,930
$12,489
$24,564
Year 3
$25,003
$6,963
$2,096
$0
$3,029
$12,915
$37,480
Year 4
$25,753
$7,172
$2,096
$0
$3,132
$13,353
$50,833
Year 5
$26,526
$7,387
$2,096
$0
$3,238
$13,805
$64,638
Year 5 disposal
Disposal gain (gross)-$20,723
CGT$0
Net Disposal proceeds$37,677
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 · 6390.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$35K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$31K
Deposit + fees + refurb
5-yr return on cash 211%Rent est. $1,964 ($1,798–$2,145)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,798–$2,145/mo · n=16
Financing
DepositYour cash in — the rest is the mortgage25% · $8,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $35,000 asking ($21,000). Raw model: $64,910–$121,510. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $26,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,242
after mortgage, operating costs & tax
Rent in$1,964/mo
$1,888Collected
$1,888/mo actually reaches you — the other $76 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$547Costs$1,242Your profit
$1,242/mo left as profit · 66% of rent kept
Mortgage$175
Costs$547
Management$196
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,242
Returns
Return before costson price67.34%
Cash returnon cash48.76%
Gross margin$1,341
Cash needed$30,573
Monthly profit payback2y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check3.91
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$23,568
$6,564
$2,096
$0
$2,833
$12,076
$12,076
Year 2
$24,275
$6,761
$2,096
$0
$2,930
$12,489
$24,564
Year 3
$25,003
$6,963
$2,096
$0
$3,029
$12,915
$37,480
Year 4
$25,753
$7,172
$2,096
$0
$3,132
$13,353
$50,833
Year 5
$26,526
$7,387
$2,096
$0
$3,238
$13,805
$64,638
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
$31K
25% deposit$8,750
Refurb$21,000
Legal + survey$1,700
Mortgage + broker$1,525
Cash needed$30,573
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice