No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,060/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Floor area 300 sqft — small for the type
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
+$2K/mo
Pays you every month, net of costs
Price
$6K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$5K
Deposit + fees + refurb
5-yr return on cash 2030%Rent est. $2,774
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $6,000 asking ($3,600). Raw model: $24,840–$47,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $4,500 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 sub-$200K
Maintenance ($/mo)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,060
after mortgage, operating costs & tax
Rent in$2,774/mo
$2,667Collected
$2,667/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$684Costs$2,060Your profit
$2,060/mo left as profit · 77% of rent kept
Mortgage$30
Costs$684
Management$277
Maintenance$67
Insurance$20
CapEx reserve$139
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,060
Returns
Return before costson price554.80%
Cash returnon cash471.69%
Gross margin$1,983
Cash needed$5,241
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check10.16
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
$33,288
$8,207
$359
$0
$4,697
$20,024
$20,024
Year 2
$34,287
$8,453
$359
$0
$4,840
$20,634
$40,658
Year 3
$35,315
$8,707
$359
$0
$4,987
$21,262
$61,920
Year 4
$36,375
$8,968
$359
$0
$5,139
$21,908
$83,828
Year 5
$37,466
$9,237
$359
$0
$5,295
$22,574
$106,403
Year 5 disposal
Disposal gain (gross)-$5,261
CGT$0
Net Disposal proceeds$6,459
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 · 5921.8 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
+$2K/mo
Pays you every month, net of costs
Price
$6K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$5K
Deposit + fees + refurb
5-yr return on cash 2030%Rent est. $2,774
Bedrooms
0
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $6,000 asking ($3,600). Raw model: $24,840–$47,230. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $4,500 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 sub-$200K
Maintenance ($/mo)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,060
after mortgage, operating costs & tax
Rent in$2,774/mo
$2,667Collected
$2,667/mo actually reaches you — the other $107 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$684Costs$2,060Your profit
$2,060/mo left as profit · 77% of rent kept
Mortgage$30
Costs$684
Management$277
Maintenance$67
Insurance$20
CapEx reserve$139
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,060
Returns
Return before costson price554.80%
Cash returnon cash471.69%
Gross margin$1,983
Cash needed$5,241
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check10.16
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
$33,288
$8,207
$359
$0
$4,697
$20,024
$20,024
Year 2
$34,287
$8,453
$359
$0
$4,840
$20,634
$40,658
Year 3
$35,315
$8,707
$359
$0
$4,987
$21,262
$61,920
Year 4
$36,375
$8,968
$359
$0
$5,139
$21,908
$83,828
Year 5
$37,466
$9,237
$359
$0
$5,295
$22,574
$106,403
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing