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
$425K
Return before costson price
4.89%
est rent $1,731not enough comparablesRange $1,514–$1,979/mo (Q1–Q3)
Cash needed
$244K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-29.3%
after tax
IRR
—
cash + capital
Rent Range
$1,514–$1,979
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,514–$1,979/mo · n=86
Financing
DepositYour cash in — the rest is the mortgage25% · $106,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $87,870–$164,150 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $318,750 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
-$1,245
after mortgage, operating costs & tax
Rent in$1,664/mo
Where it goes
$2,121$855
Outgoings exceed rent — you top up $1,245/mo
Mortgage$2,121
Costs$855
Management$173
Maintenance$67
Insurance$40
CapEx reserve$87
Voids + council tax$7
Tax—
Shortfall−$1,245
Income
Monthly rent+$1,731
After 2wk voids: $1,664/mo
Outgoings
Mortgage-$2,121
Operating costs-$855
show breakdown ▾
Management (10% of rent)-$173
CapEx reserve (5% of rent)-$87
Council Tax × voids (2w/yr)-$7
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price4.89%
Cash returnon cash-6.12%
Gross margin$809
Cash needed$243,948
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.46
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
$20,772
$10,262
$25,448
$0
$0
-$14,938
-$14,938
Year 2
$21,395
$10,570
$25,448
$0
$0
-$14,623
-$29,561
Year 3
$22,037
$10,887
$25,448
$0
$0
-$14,298
-$43,859
Year 4
$22,698
$11,214
$25,448
$0
$0
-$13,964
-$57,822
Year 5
$23,379
$11,550
$25,448
$0
$0
-$13,619
-$71,441
Year 5 disposal
Disposal gain (gross)-$104,157
CGT$0
Net Disposal proceeds$457,503
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 · 5466.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
4.89% Return before costs — around the area average for this property type.
Monthly profit −$1,245/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$425K
Return before costs
4.89%
est rent $1,731/monot enough comparablesRange $1,514–$1,979/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,514–$1,979/mo · n=86
Financing
DepositYour cash in — the rest is the mortgage25% · $106,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $87,870–$164,150 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $318,750 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
-$1,245
after mortgage, operating costs & tax
Rent in$1,664/mo
Where it goes
$2,121$855
Outgoings exceed rent — you top up $1,245/mo
Mortgage$2,121
Costs$855
Management$173
Maintenance$67
Insurance$40
CapEx reserve$87
Voids + council tax$7
Tax—
Shortfall−$1,245
Income
Monthly rent+$1,731
After 2wk voids: $1,664/mo
Outgoings
Mortgage-$2,121
Operating costs-$855
show breakdown ▾
Management (10% of rent)-$173
CapEx reserve (5% of rent)-$87
Council Tax × voids (2w/yr)-$7
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price4.89%
Cash returnon cash-6.12%
Gross margin$809
Cash needed$243,948
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.46
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
$20,772
$10,262
$25,448
$0
$0
-$14,938
-$14,938
Year 2
$21,395
$10,570
$25,448
$0
$0
-$14,623
-$29,561
Year 3
$22,037
$10,887
$25,448
$0
$0
-$14,298
-$43,859
Year 4
$22,698
$11,214
$25,448
$0
$0
-$13,964
-$57,822
Year 5
$23,379
$11,550
$25,448
$0
$0
-$13,619
-$71,441
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
$244K
25% deposit$106,250
Refurb$126,010
Legal + survey$2,150
Mortgage + broker$7,375
Cash needed$243,948
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