No rent data on file — verify locally before offering.
Why it works
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
—
Not modelled
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
—
Deposit + fees + refurb
Rent est. $1,737
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,690–$80,380 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,260
after mortgage, operating costs & tax
Rent in$1,737/mo
$1,670Collected
$1,670/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$477Costs$1,260Your profit
$1,260/mo left as profit · 75% of rent kept
Mortgage$0
Costs$477
Management$174
Maintenance$67
Insurance$28
CapEx reserve$87
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$1,260
Returns
Return before costson price0.00%
Cash returnon cash24.56%
Gross margin$1,193
Cash needed$61,535
Monthly profit payback4y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check8.11
Rent-covers-mortgage check PASS (target 1.00)
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4853.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$62K
Deposit + fees + refurb
5-yr return on cash 106%Rent est. $1,737
Bedrooms
—
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,690–$80,380 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,260
after mortgage, operating costs & tax
Rent in$1,737/mo
$1,670Collected
$1,670/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$477Costs$1,260Your profit
$1,260/mo left as profit · 75% of rent kept
Mortgage$0
Costs$477
Management$174
Maintenance$67
Insurance$28
CapEx reserve$87
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$1,260
Returns
Return before costson price0.00%
Cash returnon cash24.56%
Gross margin$1,193
Cash needed$61,535
Monthly profit payback4y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check8.11
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
$20,844
$5,728
$0
$0
$2,872
$12,244
$12,244
Year 2
$21,469
$5,900
$0
$0
$2,958
$12,611
$24,855
Year 3
$22,113
$6,077
$0
$0
$3,047
$12,989
$37,844
Year 4
$22,777
$6,259
$0
$0
$3,138
$13,379
$51,223
Year 5
$23,460
$6,447
$0
$0
$3,232
$13,781
$65,004
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing