No rent data on file — verify locally before offering.
Why it works
Monthly profit +$814/mo from completion — the no.1 reason to invest
787.7% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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
$1K
Return before costson price
—
est rent $1,197not enough comparables
Cash needed
$1K
deposit + costs
Monthly profit
+$814
net of mgmt + voids
5y Return on your cash
4167.5%
after tax
IRR
787.7%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $288
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$814
after mortgage, operating costs & tax
Income
Monthly rent+$1,197
After 2wk voids: $1,151/mo
Outgoings
Mortgage-$6
Operating costs-$377
show breakdown ▾
Management (10% of rent)-$120
CapEx reserve (5% of rent)-$60
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1249.04%
Cash returnon cash968.71%
Gross margin$774
Cash needed$1,008
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check5.32
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
$14,364
$4,527
$69
$0
$1,856
$7,912
$7,912
Year 2
$14,795
$4,663
$69
$0
$1,912
$8,151
$16,064
Year 3
$15,239
$4,803
$69
$0
$1,970
$8,397
$24,461
Year 4
$15,696
$4,947
$69
$0
$2,029
$8,651
$33,112
Year 5
$16,167
$5,095
$69
$0
$2,091
$8,912
$42,024
Year 5 disposal
Disposal gain (gross)-$2,625
CGT$0
Net Disposal proceeds$1,238
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5056.1 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $288
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$814
after mortgage, operating costs & tax
Income
Monthly rent+$1,197
After 2wk voids: $1,151/mo
Outgoings
Mortgage-$6
Operating costs-$377
show breakdown ▾
Management (10% of rent)-$120
CapEx reserve (5% of rent)-$60
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1249.04%
Cash returnon cash968.71%
Gross margin$774
Cash needed$1,008
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check5.32
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)0 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$12
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$42,024
Acquisition costs
$1K
25% deposit$288
Refurb$690
Legal + survey$2,000
Mortgage + broker$1,017
Cash needed$1,008
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