Monthly profit +$214/mo from completion — the no.1 reason to invest
10.86% 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 →
Monthly cashflow
+$214/mo
Pays you every month, net of costs
Price
$225K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$198K
Deposit + fees + refurb
Return before costson price10.86%5-yr return on cash 7%Rent est. $2,037 ($1,953–$2,125)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,953–$2,125/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $225,000 asking ($135,000). Raw model: $74,920–$140,100. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$214
after mortgage, operating costs & tax
Rent in$2,037/mo
$1,959Collected
$1,959/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$701Costs
$214/mo left as profit · 11% of rent kept
Mortgage$1,123
Costs$701
Management$204
Maintenance$67
Insurance$28
CapEx reserve$102
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$214
Returns
Return before costson price10.86%
Cash returnon cash1.29%
Gross margin$1,258
Cash needed$197,888
Monthly profit payback77y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check0.99
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
$24,444
$8,409
$13,472
$0
$487
$2,075
$2,075
Year 2
$25,177
$8,662
$13,472
$0
$578
$2,465
$4,541
Year 3
$25,933
$8,921
$13,472
$0
$672
$2,867
$7,408
Year 4
$26,711
$9,189
$13,472
$0
$769
$3,280
$10,688
Year 5
$27,512
$9,465
$13,472
$0
$869
$3,706
$14,394
Year 5 disposal
Disposal gain (gross)-$123,992
CGT$0
Net Disposal proceeds$242,208
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 · 6745.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price10.86%5-yr return on cash 7%Rent est. $2,037 ($1,953–$2,125)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,953–$2,125/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $225,000 asking ($135,000). Raw model: $74,920–$140,100. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $168,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$214
after mortgage, operating costs & tax
Rent in$2,037/mo
$1,959Collected
$1,959/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,123Mortgage$701Costs
$214/mo left as profit · 11% of rent kept
Mortgage$1,123
Costs$701
Management$204
Maintenance$67
Insurance$28
CapEx reserve$102
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$214
Returns
Return before costson price10.86%
Cash returnon cash1.29%
Gross margin$1,258
Cash needed$197,888
Monthly profit payback77y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check0.99
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
$24,444
$8,409
$13,472
$0
$487
$2,075
$2,075
Year 2
$25,177
$8,662
$13,472
$0
$578
$2,465
$4,541
Year 3
$25,933
$8,921
$13,472
$0
$672
$2,867
$7,408
Year 4
$26,711
$9,189
$13,472
$0
$769
$3,280
$10,688
Year 5
$27,512
$9,465
$13,472
$0
$869
$3,706
$14,394
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
$198K
25% deposit$56,250
Refurb$135,000
Legal + survey$1,700
Mortgage + broker$4,375
Cash needed$197,888
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice