Monthly profit +$476/mo from completion — the no.1 reason to invest
14.31% return before costs — above-market
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
$165K
Return before costson price
14.31%
est rent $1,967not enough comparablesRange $1,733–$2,233/mo (Q1–Q3)
Cash needed
$145K
deposit + costs
Monthly profit
+$476
net of mgmt + voids
5y Return on your cash
18.7%
after tax
IRR
—
cash + capital
Rent Range
$1,733–$2,233
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,733–$2,233/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $41,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $164,900 asking ($98,940). Raw model: $55,460–$103,960. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,675 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
+$476
after mortgage, operating costs & tax
Rent in$1,891/mo
Where it goes
$823$668$476
$476/mo left as profit · 25% of rent kept
Mortgage$823
Costs$668
Management$197
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Tax—
Profit+$476
Income
Monthly rent+$1,967
After 2wk voids: $1,891/mo
Outgoings
Mortgage-$823
Operating costs-$668
show breakdown ▾
Management (10% of rent)-$197
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.31%
Cash returnon cash3.95%
Gross margin$1,224
Cash needed$144,700
Monthly profit payback25y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.23
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
$23,604
$8,013
$9,874
$0
$1,086
$4,631
$4,631
Year 2
$24,312
$8,253
$9,874
$0
$1,175
$5,010
$9,642
Year 3
$25,041
$8,501
$9,874
$0
$1,267
$5,400
$15,041
Year 4
$25,793
$8,756
$9,874
$0
$1,361
$5,802
$20,844
Year 5
$26,567
$9,019
$9,874
$0
$1,458
$6,216
$27,060
Year 5 disposal
Disposal gain (gross)-$91,327
CGT$0
Net Disposal proceeds$177,511
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 · 5458.9 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $1,967/monot enough comparablesRange $1,733–$2,233/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,733–$2,233/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $41,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $164,900 asking ($98,940). Raw model: $55,460–$103,960. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $123,675 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
+$476
after mortgage, operating costs & tax
Rent in$1,891/mo
Where it goes
$823$668$476
$476/mo left as profit · 25% of rent kept
Mortgage$823
Costs$668
Management$197
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Tax—
Profit+$476
Income
Monthly rent+$1,967
After 2wk voids: $1,891/mo
Outgoings
Mortgage-$823
Operating costs-$668
show breakdown ▾
Management (10% of rent)-$197
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.31%
Cash returnon cash3.95%
Gross margin$1,224
Cash needed$144,700
Monthly profit payback25y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.23
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
$23,604
$8,013
$9,874
$0
$1,086
$4,631
$4,631
Year 2
$24,312
$8,253
$9,874
$0
$1,175
$5,010
$9,642
Year 3
$25,041
$8,501
$9,874
$0
$1,267
$5,400
$15,041
Year 4
$25,793
$8,756
$9,874
$0
$1,361
$5,802
$20,844
Year 5
$26,567
$9,019
$9,874
$0
$1,458
$6,216
$27,060
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
Transport detail not loaded for this property.
Acquisition costs
$145K
25% deposit$41,225
Refurb$98,940
Legal + survey$1,700
Mortgage + broker$3,474
Cash needed$144,700
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