No rent data on file — verify locally before offering.
Why it works
Monthly profit +$491/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
+$491/mo
Pays you every month, net of costs
Price
$349
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$307
Deposit + fees + refurb
5-yr return on cash 8245%Rent est. $792
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $87
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $349 asking ($209). Raw model: $84,340–$157,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $261.75 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
+$491
after mortgage, operating costs & tax
Rent in$792/mo
$762Collected
$762/mo actually reaches you — the other $30 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$300Costs$491Your profit
$491/mo left as profit · 64% of rent kept
Mortgage$2
Costs$300
Management$79
Maintenance$67
Insurance$20
CapEx reserve$40
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$491
Returns
Return before costson price2723.21%
Cash returnon cash1916.87%
Gross margin$462
Cash needed$307
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check3.64
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
$9,504
$3,596
$21
$0
$1,118
$4,769
$4,769
Year 2
$9,789
$3,704
$21
$0
$1,152
$4,912
$9,681
Year 3
$10,083
$3,815
$21
$0
$1,187
$5,059
$14,740
Year 4
$10,385
$3,930
$21
$0
$1,223
$5,212
$19,952
Year 5
$10,697
$4,048
$21
$0
$1,259
$5,369
$25,321
Year 5 disposal
Disposal gain (gross)-$2,189
CGT$0
Net Disposal proceeds$376
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 · 5468.9 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
+$491/mo
Pays you every month, net of costs
Price
$349
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$307
Deposit + fees + refurb
5-yr return on cash 8245%Rent est. $792
Bedrooms
0
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $87
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $349 asking ($209). Raw model: $84,340–$157,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $261.75 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
+$491
after mortgage, operating costs & tax
Rent in$792/mo
$762Collected
$762/mo actually reaches you — the other $30 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$300Costs$491Your profit
$491/mo left as profit · 64% of rent kept
Mortgage$2
Costs$300
Management$79
Maintenance$67
Insurance$20
CapEx reserve$40
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$491
Returns
Return before costson price2723.21%
Cash returnon cash1916.87%
Gross margin$462
Cash needed$307
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check3.64
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
$9,504
$3,596
$21
$0
$1,118
$4,769
$4,769
Year 2
$9,789
$3,704
$21
$0
$1,152
$4,912
$9,681
Year 3
$10,083
$3,815
$21
$0
$1,187
$5,059
$14,740
Year 4
$10,385
$3,930
$21
$0
$1,223
$5,212
$19,952
Year 5
$10,697
$4,048
$21
$0
$1,259
$5,369
$25,321
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing