No rent data on file — verify locally before offering.
Why it works
Monthly profit +$957/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
+$957/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 4070%Rent est. $1,373
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $346
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,385 asking ($831). Raw model: $67,920–$127,100. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,038.75 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$957
after mortgage, operating costs & tax
Rent in$1,373/mo
$1,320Collected
$1,320/mo actually reaches you — the other $53 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$409Costs$957Your profit
$957/mo left as profit · 72% of rent kept
Mortgage$7
Costs$409
Management$137
Maintenance$67
Insurance$20
CapEx reserve$69
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$957
Returns
Return before costson price1189.60%
Cash returnon cash946.10%
Gross margin$911
Cash needed$1,213
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.10
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
$16,476
$4,913
$83
$0
$2,181
$9,299
$9,299
Year 2
$16,970
$5,060
$83
$0
$2,247
$9,580
$18,879
Year 3
$17,479
$5,212
$83
$0
$2,315
$9,869
$28,748
Year 4
$18,004
$5,369
$83
$0
$2,385
$10,167
$38,915
Year 5
$18,544
$5,530
$83
$0
$2,457
$10,474
$49,390
Year 5 disposal
Disposal gain (gross)-$2,453
CGT$0
Net Disposal proceeds$1,491
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 6048 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
2124 N Governor Williams Hwy, Darlington, SC 29540
single_family · 3 bed · 2 bath · 1,368 sqft
$1,385
est $1,373
1 / 13
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$957/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$957/mo
Pays you every month, net of costs
Price
$1K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1K
Deposit + fees + refurb
5-yr return on cash 4070%Rent est. $1,373
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $346
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,385 asking ($831). Raw model: $67,920–$127,100. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,038.75 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$957
after mortgage, operating costs & tax
Rent in$1,373/mo
$1,320Collected
$1,320/mo actually reaches you — the other $53 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$409Costs$957Your profit
$957/mo left as profit · 72% of rent kept
Mortgage$7
Costs$409
Management$137
Maintenance$67
Insurance$20
CapEx reserve$69
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$957
Returns
Return before costson price1189.60%
Cash returnon cash946.10%
Gross margin$911
Cash needed$1,213
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check6.10
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
$16,476
$4,913
$83
$0
$2,181
$9,299
$9,299
Year 2
$16,970
$5,060
$83
$0
$2,247
$9,580
$18,879
Year 3
$17,479
$5,212
$83
$0
$2,315
$9,869
$28,748
Year 4
$18,004
$5,369
$83
$0
$2,385
$10,167
$38,915
Year 5
$18,544
$5,530
$83
$0
$2,457
$10,474
$49,390
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$1K
25% deposit$346
Refurb$831
Legal + survey$1,700
Mortgage + broker$1,021
Cash needed$1,213
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