Monthly profit +$345/mo from completion — the no.1 reason to invest
10.73% 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
+$345/mo
Pays you every month, net of costs
Price
$325K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$211K
Deposit + fees + refurb
Return before costson price10.73%5-yr return on cash 11%Rent est. $2,905 ($2,267–$3,723)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,267–$3,723/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $81,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $83,740–$156,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $243,750 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
+$345
after mortgage, operating costs & tax
Rent in$2,905/mo
$2,793Collected
$2,793/mo actually reaches you — the other $112 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,622Mortgage$939Costs
$345/mo left as profit · 12% of rent kept
Mortgage$1,622
Costs$939
Management$291
Maintenance$67
Insurance$28
CapEx reserve$145
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$345
Returns
Return before costson price10.73%
Cash returnon cash1.96%
Gross margin$1,855
Cash needed$210,948
Monthly profit payback51y
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
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
$34,860
$11,262
$19,460
$0
$786
$3,352
$3,352
Year 2
$35,906
$11,600
$19,460
$0
$921
$3,925
$7,276
Year 3
$36,983
$11,948
$19,460
$0
$1,059
$4,516
$11,792
Year 4
$38,092
$12,307
$19,460
$0
$1,202
$5,124
$16,916
Year 5
$39,235
$12,676
$19,460
$0
$1,349
$5,750
$22,666
Year 5 disposal
Disposal gain (gross)-$103,904
CGT$0
Net Disposal proceeds$349,856
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6747.1 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price10.73%5-yr return on cash 11%Rent est. $2,905 ($2,267–$3,723)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,267–$3,723/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $81,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $83,740–$156,480 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $243,750 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
+$345
after mortgage, operating costs & tax
Rent in$2,905/mo
$2,793Collected
$2,793/mo actually reaches you — the other $112 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,622Mortgage$939Costs
$345/mo left as profit · 12% of rent kept
Mortgage$1,622
Costs$939
Management$291
Maintenance$67
Insurance$28
CapEx reserve$145
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$345
Returns
Return before costson price10.73%
Cash returnon cash1.96%
Gross margin$1,855
Cash needed$210,948
Monthly profit payback51y
Data confidence
Lender stress test
Rent-covers-mortgage check1.01
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
$34,860
$11,262
$19,460
$0
$786
$3,352
$3,352
Year 2
$35,906
$11,600
$19,460
$0
$921
$3,925
$7,276
Year 3
$36,983
$11,948
$19,460
$0
$1,059
$4,516
$11,792
Year 4
$38,092
$12,307
$19,460
$0
$1,202
$5,124
$16,916
Year 5
$39,235
$12,676
$19,460
$0
$1,349
$5,750
$22,666
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
$211K
25% deposit$81,250
Refurb$120,110
Legal + survey$2,150
Mortgage + broker$5,875
Cash needed$210,948
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