No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,114/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
$95K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$83K
Deposit + fees + refurb
5-yr return on cash 71%Rent est. $2,231 ($1,862–$2,673)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,862–$2,673/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · $23,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $95,000 asking ($57,000). Raw model: $45,700–$85,970. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $71,250 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
+$1,114
after mortgage, operating costs & tax
Rent in$2,231/mo
$2,145Collected
$2,145/mo actually reaches you — the other $86 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$474Mortgage$643Costs$1,114Your profit
$1,114/mo left as profit · 52% of rent kept
Mortgage$474
Costs$643
Management$223
Maintenance$67
Insurance$20
CapEx reserve$112
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,114
Returns
Return before costson price28.18%
Cash returnon cash16.10%
Gross margin$1,502
Cash needed$82,983
Monthly profit payback6y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.24
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
$26,772
$7,719
$5,688
$0
$2,539
$10,825
$10,825
Year 2
$27,575
$7,951
$5,688
$0
$2,648
$11,288
$22,113
Year 3
$28,402
$8,190
$5,688
$0
$2,760
$11,764
$33,877
Year 4
$29,254
$8,435
$5,688
$0
$2,875
$12,256
$46,133
Year 5
$30,132
$8,688
$5,688
$0
$2,994
$12,761
$58,895
Year 5 disposal
Disposal gain (gross)-$53,335
CGT$0
Net Disposal proceeds$102,265
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 · 6375.3 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
$95K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$83K
Deposit + fees + refurb
5-yr return on cash 71%Rent est. $2,231 ($1,862–$2,673)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,862–$2,673/mo · n=39
Financing
DepositYour cash in — the rest is the mortgage25% · $23,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $95,000 asking ($57,000). Raw model: $45,700–$85,970. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $71,250 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
+$1,114
after mortgage, operating costs & tax
Rent in$2,231/mo
$2,145Collected
$2,145/mo actually reaches you — the other $86 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$474Mortgage$643Costs$1,114Your profit
$1,114/mo left as profit · 52% of rent kept
Mortgage$474
Costs$643
Management$223
Maintenance$67
Insurance$20
CapEx reserve$112
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$1,114
Returns
Return before costson price28.18%
Cash returnon cash16.10%
Gross margin$1,502
Cash needed$82,983
Monthly profit payback6y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check2.24
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
$26,772
$7,719
$5,688
$0
$2,539
$10,825
$10,825
Year 2
$27,575
$7,951
$5,688
$0
$2,648
$11,288
$22,113
Year 3
$28,402
$8,190
$5,688
$0
$2,760
$11,764
$33,877
Year 4
$29,254
$8,435
$5,688
$0
$2,875
$12,256
$46,133
Year 5
$30,132
$8,688
$5,688
$0
$2,994
$12,761
$58,895
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
$83K
25% deposit$23,750
Refurb$57,000
Legal + survey$1,700
Mortgage + broker$2,425
Cash needed$82,983
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