No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,826/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 →
Price
$4K
Return before costson price
—
est rent $3,699not enough comparables
Cash needed
$3K
deposit + costs
Monthly profit
+$3K
net of mgmt + voids
5y Return on your cash
4186.1%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $999
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,995 asking ($2,397). Raw model: $51,540–$96,680. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $2,996.25 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,826
after mortgage, operating costs & tax
Rent in$3,557/mo
Where it goes
$853$2,826
$2,826/mo left as profit · 79% of rent kept
Mortgage$20
Costs$853
Management$370
Maintenance$67
Insurance$20
CapEx reserve$185
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$2,826
Income
Monthly rent+$3,699
After 2wk voids: $3,557/mo
Outgoings
Mortgage-$20
Operating costs-$853
show breakdown ▾
Management (10% of rent)-$370
CapEx reserve (5% of rent)-$185
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1111.09%
Cash returnon cash973.03%
Gross margin$2,704
Cash needed$3,486
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check14.75
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
$44,388
$10,233
$239
$0
$6,444
$27,472
$27,472
Year 2
$45,720
$10,540
$239
$0
$6,639
$28,302
$55,774
Year 3
$47,091
$10,856
$239
$0
$6,839
$29,157
$84,931
Year 4
$48,504
$11,181
$239
$0
$7,046
$30,037
$114,969
Year 5
$49,959
$11,517
$239
$0
$7,259
$30,944
$145,913
Year 5 disposal
Disposal gain (gross)-$4,171
CGT$0
Net Disposal proceeds$4,301
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 2-bath · 990 sqft
$28k–$56k
$ per sqft
building cost only
$29–$56
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$6,930–$12,870
Flooring · Carpet on bedrooms + LVT/laminate downstairs$10,890–$20,790
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Price & sale history25d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$2,826/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
1111.09%
+$2,826
$3,486
4186.1%
Low
Feasible
Refurb & refinance
1111.09%
+$2,826
$4,285
3405.5%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$156
$7,191
-87%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$3,486cash needed
Purchase price$3,995
Deposit (25%)$999
Refurb$2,397
Legal + survey$2,000
Mortgage fees$1,060
Total cash neededdeposit + costs (loan covers the rest)$3,486
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: TX
Effective rate0.00%
Total at sale$0
No state transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$4K
Return before costs
—
est rent $3,699/monot enough comparables
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $999
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,995 asking ($2,397). Raw model: $51,540–$96,680. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $2,996.25 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,826
after mortgage, operating costs & tax
Rent in$3,557/mo
Where it goes
$853$2,826
$2,826/mo left as profit · 79% of rent kept
Mortgage$20
Costs$853
Management$370
Maintenance$67
Insurance$20
CapEx reserve$185
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$2,826
Income
Monthly rent+$3,699
After 2wk voids: $3,557/mo
Outgoings
Mortgage-$20
Operating costs-$853
show breakdown ▾
Management (10% of rent)-$370
CapEx reserve (5% of rent)-$185
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1111.09%
Cash returnon cash973.03%
Gross margin$2,704
Cash needed$3,486
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check14.75
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
$44,388
$10,233
$239
$0
$6,444
$27,472
$27,472
Year 2
$45,720
$10,540
$239
$0
$6,639
$28,302
$55,774
Year 3
$47,091
$10,856
$239
$0
$6,839
$29,157
$84,931
Year 4
$48,504
$11,181
$239
$0
$7,046
$30,037
$114,969
Year 5
$49,959
$11,517
$239
$0
$7,259
$30,944
$145,913
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$3K
25% deposit$999
Refurb$2,397
Legal + survey$2,000
Mortgage + broker$1,060
Cash needed$3,486
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