No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,497/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
+$2K/mo
Pays you every month, net of costs
Price
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 7365%Rent est. $3,276
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $499
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,995 asking ($1,197). Raw model: $36,390–$68,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,496.25 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
+$2,497
after mortgage, operating costs & tax
Rent in$3,276/mo
$3,150Collected
$3,150/mo actually reaches you — the other $126 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$769Costs$2,497Your profit
$2,497/mo left as profit · 79% of rent kept
Mortgage$10
Costs$769
Management$328
Maintenance$67
Insurance$20
CapEx reserve$164
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,497
Returns
Return before costson price1970.53%
Cash returnon cash1712.34%
Gross margin$2,381
Cash needed$1,750
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check14.16
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
$39,312
$9,233
$119
$0
$5,692
$24,268
$24,268
Year 2
$40,491
$9,510
$119
$0
$5,864
$24,998
$49,266
Year 3
$41,706
$9,795
$119
$0
$6,040
$25,752
$75,018
Year 4
$42,957
$10,089
$119
$0
$6,222
$26,527
$101,545
Year 5
$44,246
$10,392
$119
$0
$6,410
$27,325
$128,870
Year 5 disposal
Disposal gain (gross)-$2,784
CGT$0
Net Disposal proceeds$2,148
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 · 4869.1 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
+$2K/mo
Pays you every month, net of costs
Price
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 7365%Rent est. $3,276
Bedrooms
0
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $499
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $1,995 asking ($1,197). Raw model: $36,390–$68,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,496.25 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
+$2,497
after mortgage, operating costs & tax
Rent in$3,276/mo
$3,150Collected
$3,150/mo actually reaches you — the other $126 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$769Costs$2,497Your profit
$2,497/mo left as profit · 79% of rent kept
Mortgage$10
Costs$769
Management$328
Maintenance$67
Insurance$20
CapEx reserve$164
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$2,497
Returns
Return before costson price1970.53%
Cash returnon cash1712.34%
Gross margin$2,381
Cash needed$1,750
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check14.16
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
$39,312
$9,233
$119
$0
$5,692
$24,268
$24,268
Year 2
$40,491
$9,510
$119
$0
$5,864
$24,998
$49,266
Year 3
$41,706
$9,795
$119
$0
$6,040
$25,752
$75,018
Year 4
$42,957
$10,089
$119
$0
$6,222
$26,527
$101,545
Year 5
$44,246
$10,392
$119
$0
$6,410
$27,325
$128,870
What we verified
3 total
0102
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing