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
$6.95M
Return before costson price
1.27%
est rent $7,345not enough comparables
Cash needed
$2.35M
deposit + costs
Monthly profit
−$39K
net of mgmt + voids
5y Return on your cash
-99.2%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,737,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$38,598
after mortgage, operating costs & tax
Income
Monthly rent+$7,345
After 2wk voids: $7,063/mo
Outgoings
Mortgage-$34,679
Operating costs-$11,264
show breakdown ▾
Management (10% of rent)-$735
CapEx reserve (5% of rent)-$367
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.27%
Cash returnon cash-19.71%
Gross margin-$4,202
Cash needed$2,350,035
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.12
Rent-covers-mortgage check FAIL (need ≥ 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
$88,140
$135,171
$416,147
$0
$0
-$463,178
-$463,178
Year 2
$90,784
$139,226
$416,147
$0
$0
-$464,589
-$927,766
Year 3
$93,508
$143,403
$416,147
$0
$0
-$466,042
-$1,393,808
Year 4
$96,313
$147,705
$416,147
$0
$0
-$467,539
-$1,861,347
Year 5
$99,202
$152,136
$416,147
$0
$0
-$469,080
-$2,330,427
Year 5 disposal
Disposal gain (gross)-$67,332
CGT$0
Net Disposal proceeds$7,481,528
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 cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7586.8 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
610 E Market St #3208-3210-3302, San Antonio, TX 78205
condo · 6 bed · 8 bath · 7,572 sqft
$6,950,000
est $7,345 · 1.27% gross
1 / 83
0/100
Marginal
1.27% — verify the rent + comps locally.
1.27% Return before costs — around the area average for this property type.
Monthly profit −$38,598/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$7.0M
vs comparable
Return before costs
1.27%
est rent $7,345/monot enough comparables
Bedrooms
6
8 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,737,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$38,598
after mortgage, operating costs & tax
Income
Monthly rent+$7,345
After 2wk voids: $7,063/mo
Outgoings
Mortgage-$34,679
Operating costs-$11,264
show breakdown ▾
Management (10% of rent)-$735
CapEx reserve (5% of rent)-$367
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.27%
Cash returnon cash-19.71%
Gross margin-$4,202
Cash needed$2,350,035
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.12
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)6 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$72,975
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$2,330,427
Acquisition costs
$2.4M
25% deposit$1,737,500
Refurb$456,160
Legal + survey$3,700
Mortgage + broker$105,250
Cash needed$2,350,035
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice