Likely sold or withdrawnWe last saw this listing 19 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,654/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 →
Price
$3K
Return before costson price
—
est rent $3,476not enough comparables
Cash needed
$3K
deposit + costs
Monthly profit
+$3K
net of mgmt + voids
5y Return on your cash
5291.1%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $738
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,950 asking ($1,770). Raw model: $88,740–$165,630. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,212.5 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
+$2,654
after mortgage, operating costs & tax
Rent in$3,342/mo
Where it goes
$808$2,654
$2,654/mo left as profit · 79% of rent kept
Mortgage$15
Costs$808
Management$348
Maintenance$67
Insurance$20
CapEx reserve$174
Voids + council tax$5
Tax—
Profit+$2,654
Income
Monthly rent+$3,476
After 2wk voids: $3,342/mo
Outgoings
Mortgage-$15
Operating costs-$808
show breakdown ▾
Management (10% of rent)-$348
CapEx reserve (5% of rent)-$174
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1413.97%
Cash returnon cash1229.98%
Gross margin$2,535
Cash needed$2,589
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check14.54
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
$41,712
$9,693
$177
$0
$6,050
$25,793
$25,793
Year 2
$42,963
$9,983
$177
$0
$6,233
$26,570
$52,363
Year 3
$44,252
$10,283
$177
$0
$6,421
$27,372
$79,735
Year 4
$45,580
$10,591
$177
$0
$6,614
$28,198
$107,932
Year 5
$46,947
$10,909
$177
$0
$6,814
$29,047
$136,980
Year 5 disposal
Disposal gain (gross)-$3,303
CGT$0
Net Disposal proceeds$3,176
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 · 5504.9 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Likely sold or withdrawnWe last saw this listing 19 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$2,654/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$3K
Return before costs
—
est rent $3,476/monot enough comparables
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $738
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,950 asking ($1,770). Raw model: $88,740–$165,630. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,212.5 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
+$2,654
after mortgage, operating costs & tax
Rent in$3,342/mo
Where it goes
$808$2,654
$2,654/mo left as profit · 79% of rent kept
Mortgage$15
Costs$808
Management$348
Maintenance$67
Insurance$20
CapEx reserve$174
Voids + council tax$5
Tax—
Profit+$2,654
Income
Monthly rent+$3,476
After 2wk voids: $3,342/mo
Outgoings
Mortgage-$15
Operating costs-$808
show breakdown ▾
Management (10% of rent)-$348
CapEx reserve (5% of rent)-$174
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1413.97%
Cash returnon cash1229.98%
Gross margin$2,535
Cash needed$2,589
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check14.54
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
$41,712
$9,693
$177
$0
$6,050
$25,793
$25,793
Year 2
$42,963
$9,983
$177
$0
$6,233
$26,570
$52,363
Year 3
$44,252
$10,283
$177
$0
$6,421
$27,372
$79,735
Year 4
$45,580
$10,591
$177
$0
$6,614
$28,198
$107,932
Year 5
$46,947
$10,909
$177
$0
$6,814
$29,047
$136,980
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
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PropertySchoolsUniversitiesStations
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Acquisition costs
$3K
25% deposit$738
Refurb$1,770
Legal + survey$1,700
Mortgage + broker$1,044
Cash needed$2,589
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