-18.9% 5y IRR — capital outlay disproportionate to returns
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
$486K
Return before costson price
2.95%
est rent $1,194not enough comparables
Cash needed
$185K
deposit + costs
Monthly profit
−$2K
net of mgmt + voids
5y Return on your cash
-73.8%
after tax
IRR
-18.9%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $121,375
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,283
after mortgage, operating costs & tax
Income
Monthly rent+$1,194
After 2wk voids: $1,148/mo
Outgoings
Mortgage-$2,423
Operating costs-$1,055
show breakdown ▾
Management (10% of rent)-$119
CapEx reserve (5% of rent)-$60
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.95%
Cash returnon cash-14.82%
Gross margin$93
Cash needed$184,834
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.26
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
$14,328
$12,657
$29,070
$0
$0
-$27,399
-$27,399
Year 2
$14,758
$13,036
$29,070
$0
$0
-$27,349
-$54,748
Year 3
$15,201
$13,428
$29,070
$0
$0
-$27,297
-$82,045
Year 4
$15,657
$13,830
$29,070
$0
$0
-$27,244
-$109,290
Year 5
$16,126
$14,245
$29,070
$0
$0
-$27,189
-$136,479
Year 5 disposal
Disposal gain (gross)-$27,265
CGT$0
Net Disposal proceeds$522,630
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 7732.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $121,375
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,283
after mortgage, operating costs & tax
Income
Monthly rent+$1,194
After 2wk voids: $1,148/mo
Outgoings
Mortgage-$2,423
Operating costs-$1,055
show breakdown ▾
Management (10% of rent)-$119
CapEx reserve (5% of rent)-$60
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.95%
Cash returnon cash-14.82%
Gross margin$93
Cash needed$184,834
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.26
Rent-covers-mortgage check FAIL (need ≥ 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$5,098
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$136,479
Acquisition costs
$185K
25% deposit$121,375
Refurb$52,535
Legal + survey$2,150
Mortgage + broker$8,283
Cash needed$184,834
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