No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,706/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
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
+$3K/mo
Pays you every month, net of costs
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$101K
Deposit + fees + refurb
5-yr return on cash 140%Rent est. $4,331 ($4,074–$4,604)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,074–$4,604/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $72,390–$135,130. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,706
after mortgage, operating costs & tax
Rent in$4,331/mo
$4,164Collected
$4,164/mo actually reaches you — the other $167 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,052Costs$2,706Your profit
$2,706/mo left as profit · 65% of rent kept
Mortgage$574
Costs$1,052
Management$433
Maintenance$67
Insurance$20
CapEx reserve$217
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,706
Returns
Return before costson price45.19%
Cash returnon cash32.10%
Gross margin$3,113
Cash needed$101,143
Monthly profit payback3y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.75
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
$51,972
$12,618
$6,886
$0
$6,169
$26,299
$26,299
Year 2
$53,531
$12,997
$6,886
$0
$6,393
$27,256
$53,554
Year 3
$55,137
$13,387
$6,886
$0
$6,624
$28,241
$81,795
Year 4
$56,791
$13,788
$6,886
$0
$6,862
$29,255
$111,050
Year 5
$58,495
$14,202
$6,886
$0
$7,107
$30,300
$141,350
Year 5 disposal
Disposal gain (gross)-$64,205
CGT$0
Net Disposal proceeds$123,795
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6811.4 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$3K/mo
Pays you every month, net of costs
Price
$115K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$101K
Deposit + fees + refurb
5-yr return on cash 140%Rent est. $4,331 ($4,074–$4,604)
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,074–$4,604/mo · n=17
Financing
DepositYour cash in — the rest is the mortgage25% · $28,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $115,000 asking ($69,000). Raw model: $72,390–$135,130. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $86,250 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,706
after mortgage, operating costs & tax
Rent in$4,331/mo
$4,164Collected
$4,164/mo actually reaches you — the other $167 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,052Costs$2,706Your profit
$2,706/mo left as profit · 65% of rent kept
Mortgage$574
Costs$1,052
Management$433
Maintenance$67
Insurance$20
CapEx reserve$217
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,706
Returns
Return before costson price45.19%
Cash returnon cash32.10%
Gross margin$3,113
Cash needed$101,143
Monthly profit payback3y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check3.75
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
$51,972
$12,618
$6,886
$0
$6,169
$26,299
$26,299
Year 2
$53,531
$12,997
$6,886
$0
$6,393
$27,256
$53,554
Year 3
$55,137
$13,387
$6,886
$0
$6,624
$28,241
$81,795
Year 4
$56,791
$13,788
$6,886
$0
$6,862
$29,255
$111,050
Year 5
$58,495
$14,202
$6,886
$0
$7,107
$30,300
$141,350
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$101K
25% deposit$28,750
Refurb$69,000
Legal + survey$1,700
Mortgage + broker$2,725
Cash needed$101,143
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Zillow · County records · GreatSchools Estimates not financial advice