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
$250K
Return before costson price
8.85%
est rent $1,843not enough comparablesRange $1,731–$1,962/mo (Q1–Q3)
Cash needed
$175K
deposit + costs
Monthly profit
−$124
net of mgmt + voids
5y Return on your cash
-1.9%
after tax
IRR
—
cash + capital
Rent Range
$1,731–$1,962
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,731–$1,962/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $73,870–$138,150 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 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
-$124
after mortgage, operating costs & tax
Rent in$1,772/mo
Where it goes
$1,247$720
Outgoings exceed rent — you top up $124/mo
Mortgage$1,247
Costs$720
Management$184
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$6
Tax—
Shortfall−$124
Income
Monthly rent+$1,843
After 2wk voids: $1,772/mo
Outgoings
Mortgage-$1,247
Operating costs-$720
show breakdown ▾
Management (10% of rent)-$184
CapEx reserve (5% of rent)-$92
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.85%
Cash returnon cash-0.85%
Gross margin$1,052
Cash needed$175,358
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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
$22,116
$8,642
$14,963
$0
$0
-$1,489
-$1,489
Year 2
$22,779
$8,901
$14,963
$0
$0
-$1,085
-$2,574
Year 3
$23,463
$9,168
$14,963
$0
$0
-$669
-$3,243
Year 4
$24,167
$9,443
$14,963
$0
$0
-$240
-$3,483
Year 5
$24,892
$9,727
$14,963
$0
$38
$164
-$3,319
Year 5 disposal
Disposal gain (gross)-$93,596
CGT$0
Net Disposal proceeds$269,012
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 · 5458.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $1,843/monot enough comparablesRange $1,731–$1,962/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,731–$1,962/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $62,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $73,870–$138,150 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $187,425 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
-$124
after mortgage, operating costs & tax
Rent in$1,772/mo
Where it goes
$1,247$720
Outgoings exceed rent — you top up $124/mo
Mortgage$1,247
Costs$720
Management$184
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$6
Tax—
Shortfall−$124
Income
Monthly rent+$1,843
After 2wk voids: $1,772/mo
Outgoings
Mortgage-$1,247
Operating costs-$720
show breakdown ▾
Management (10% of rent)-$184
CapEx reserve (5% of rent)-$92
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.85%
Cash returnon cash-0.85%
Gross margin$1,052
Cash needed$175,358
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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
$22,116
$8,642
$14,963
$0
$0
-$1,489
-$1,489
Year 2
$22,779
$8,901
$14,963
$0
$0
-$1,085
-$2,574
Year 3
$23,463
$9,168
$14,963
$0
$0
-$669
-$3,243
Year 4
$24,167
$9,443
$14,963
$0
$0
-$240
-$3,483
Year 5
$24,892
$9,727
$14,963
$0
$38
$164
-$3,319
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
$175K
25% deposit$62,475
Refurb$106,010
Legal + survey$1,700
Mortgage + broker$4,749
Cash needed$175,358
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