No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,292/mo from completion — the no.1 reason to invest
31.1% 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
$40K
Return before costson price
—
est rent $2,058not enough comparablesRange $1,693–$2,112/mo (Q1–Q3)
Cash needed
$35K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
192.7%
after tax
IRR
31.1%
cash + capital
Rent Range
$1,693–$2,112
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,693–$2,112/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $10,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,292
after mortgage, operating costs & tax
Income
Monthly rent+$2,058
After 2wk voids: $1,979/mo
Outgoings
Mortgage-$200
Operating costs-$567
show breakdown ▾
Management (10% of rent)-$206
CapEx reserve (5% of rent)-$103
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price61.74%
Cash returnon cash44.42%
Gross margin$1,412
Cash needed$34,900
Monthly profit payback2y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check3.81
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
$24,696
$6,798
$2,395
$0
$2,946
$12,557
$12,557
Year 2
$25,437
$7,002
$2,395
$0
$3,048
$12,992
$25,548
Year 3
$26,200
$7,212
$2,395
$0
$3,153
$13,440
$38,988
Year 4
$26,986
$7,429
$2,395
$0
$3,261
$13,901
$52,889
Year 5
$27,796
$7,651
$2,395
$0
$3,372
$14,377
$67,266
Year 5 disposal
Disposal gain (gross)-$23,441
CGT$0
Net Disposal proceeds$43,059
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 · 5991.7 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$40K
vs comparable
Return before costs
—
est rent $2,058/monot enough comparablesRange $1,693–$2,112/mo (Q1–Q3)
Bedrooms
3
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,693–$2,112/mo · n=8
Financing
DepositYour cash in — the rest is the mortgage25% · $10,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,292
after mortgage, operating costs & tax
Income
Monthly rent+$2,058
After 2wk voids: $1,979/mo
Outgoings
Mortgage-$200
Operating costs-$567
show breakdown ▾
Management (10% of rent)-$206
CapEx reserve (5% of rent)-$103
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price61.74%
Cash returnon cash44.42%
Gross margin$1,412
Cash needed$34,900
Monthly profit payback2y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check3.81
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$420
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$67,266
Acquisition costs
$35K
25% deposit$10,000
Refurb$24,000
Legal + survey$1,700
Mortgage + broker$1,600
Cash needed$34,900
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