Real 8.25% return before costs with manageable risks.
Why it works
8.25% return before costs — above-market
Why to be cautious
Monthly profit −$214/mo — significantly negative — real recurring drain
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
$215K
Return before costson price
8.25%
est rent $1,479not enough comparablesRange $1,455–$1,503/mo (Q1–Q3)
Cash needed
$133K
deposit + costs
Monthly profit
−$214
net of mgmt + voids
5y Return on your cash
-7.3%
after tax
IRR
—
cash + capital
Rent Range
$1,455–$1,503
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,455–$1,503/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $53,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $50,915–$95,655 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $161,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$214
after mortgage, operating costs & tax
Rent in$1,422/mo
Where it goes
$1,073$620
Outgoings exceed rent — you top up $214/mo
Mortgage$1,073
Costs$620
Management$148
Maintenance$67
Insurance$28
CapEx reserve$74
Voids + council tax$6
Tax—
Shortfall−$214
Income
Monthly rent+$1,479
After 2wk voids: $1,422/mo
Outgoings
Mortgage-$1,073
Operating costs-$620
show breakdown ▾
Management (10% of rent)-$148
CapEx reserve (5% of rent)-$74
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.25%
Cash returnon cash-1.93%
Gross margin$802
Cash needed$132,948
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.73
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
$17,748
$7,445
$12,874
$0
$0
-$2,571
-$2,571
Year 2
$18,280
$7,669
$12,874
$0
$0
-$2,262
-$4,833
Year 3
$18,829
$7,899
$12,874
$0
$0
-$1,943
-$6,776
Year 4
$19,394
$8,136
$12,874
$0
$0
-$1,616
-$8,392
Year 5
$19,976
$8,380
$12,874
$0
$0
-$1,278
-$9,669
Year 5 disposal
Disposal gain (gross)-$62,842
CGT$0
Net Disposal proceeds$231,443
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 · 5457.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $1,479/monot enough comparablesRange $1,455–$1,503/mo (Q1–Q3)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,455–$1,503/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $53,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $50,915–$95,655 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $161,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$214
after mortgage, operating costs & tax
Rent in$1,422/mo
Where it goes
$1,073$620
Outgoings exceed rent — you top up $214/mo
Mortgage$1,073
Costs$620
Management$148
Maintenance$67
Insurance$28
CapEx reserve$74
Voids + council tax$6
Tax—
Shortfall−$214
Income
Monthly rent+$1,479
After 2wk voids: $1,422/mo
Outgoings
Mortgage-$1,073
Operating costs-$620
show breakdown ▾
Management (10% of rent)-$148
CapEx reserve (5% of rent)-$74
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.25%
Cash returnon cash-1.93%
Gross margin$802
Cash needed$132,948
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.73
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
$17,748
$7,445
$12,874
$0
$0
-$2,571
-$2,571
Year 2
$18,280
$7,669
$12,874
$0
$0
-$2,262
-$4,833
Year 3
$18,829
$7,899
$12,874
$0
$0
-$1,943
-$6,776
Year 4
$19,394
$8,136
$12,874
$0
$0
-$1,616
-$8,392
Year 5
$19,976
$8,380
$12,874
$0
$0
-$1,278
-$9,669
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
$133K
25% deposit$53,750
Refurb$73,285
Legal + survey$1,700
Mortgage + broker$4,225
Cash needed$132,948
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