Monthly profit +$389/mo from completion — the no.1 reason to invest
14.44% return before costs — above-market
Why to be cautious
-10.1% 5y IRR — capital outlay disproportionate to returns
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
$185K
Return before costson price
14.44%
est rent $2,225not enough comparablesRange $1,770–$2,126/mo (Q1–Q3)
Cash needed
$135K
deposit + costs
Monthly profit
+$389
net of mgmt + voids
5y Return on your cash
16.9%
after tax
IRR
-10.1%
cash + capital
Rent Range
$1,770–$2,126
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,770–$2,126/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $46,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$389
after mortgage, operating costs & tax
Income
Monthly rent+$2,225
After 2wk voids: $2,139/mo
Outgoings
Mortgage-$923
Operating costs-$913
show breakdown ▾
Management (10% of rent)-$223
CapEx reserve (5% of rent)-$111
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.44%
Cash returnon cash3.45%
Gross margin$1,226
Cash needed$135,280
Monthly profit payback29y
Data confidence
Lender stress test
Rent-covers-mortgage check1.10
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$26,700
$10,955
$11,071
$0
$888
$3,786
$3,786
Year 2
$27,501
$11,284
$11,071
$0
$978
$4,168
$7,953
Year 3
$28,326
$11,622
$11,071
$0
$1,070
$4,562
$12,516
Year 4
$29,176
$11,971
$11,071
$0
$1,165
$4,968
$17,484
Year 5
$30,051
$12,330
$11,071
$0
$1,263
$5,387
$22,871
Year 5 disposal
Disposal gain (gross)-$75,967
CGT$0
Net Disposal proceeds$199,041
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 · 5920.7 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $2,225/monot enough comparablesRange $1,770–$2,126/mo (Q1–Q3)
Bedrooms
3
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,770–$2,126/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $46,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$389
after mortgage, operating costs & tax
Income
Monthly rent+$2,225
After 2wk voids: $2,139/mo
Outgoings
Mortgage-$923
Operating costs-$913
show breakdown ▾
Management (10% of rent)-$223
CapEx reserve (5% of rent)-$111
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.44%
Cash returnon cash3.45%
Gross margin$1,226
Cash needed$135,280
Monthly profit payback29y
Data confidence
Lender stress test
Rent-covers-mortgage check1.10
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$1,941
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$22,871
Acquisition costs
$135K
25% deposit$46,225
Refurb$84,710
Legal + survey$1,700
Mortgage + broker$3,774
Cash needed$135,280
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice