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
$1.98M
Return before costson price
1.51%
est rent $2,491not enough comparables
Cash needed
$919K
deposit + costs
Monthly profit
−$9K
net of mgmt + voids
5y Return on your cash
-60.7%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $495,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$9,328
after mortgage, operating costs & tax
Income
Monthly rent+$2,491
After 2wk voids: $2,395/mo
Outgoings
Mortgage-$9,880
Operating costs-$1,939
show breakdown ▾
Management (10% of rent)-$249
CapEx reserve (5% of rent)-$125
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.51%
Cash returnon cash-12.18%
Gross margin$456
Cash needed$918,660
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.15
Rent-covers-mortgage check FAIL (need ≥ 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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$29,892
$23,274
$118,557
$0
$0
-$111,938
-$111,938
Year 2
$30,789
$23,972
$118,557
$0
$0
-$111,740
-$223,678
Year 3
$31,712
$24,691
$118,557
$0
$0
-$111,535
-$335,214
Year 4
$32,664
$25,432
$118,557
$0
$0
-$111,325
-$446,538
Year 5
$33,644
$26,195
$118,557
$0
$0
-$111,108
-$557,646
Year 5 disposal
Disposal gain (gross)-$270,982
CGT$0
Net Disposal proceeds$2,131,428
What we verified
What we verified
2 total · click to expand
11001 ok · 1 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 7419.1 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
1.51% Return before costs — around the area average for this property type.
Monthly profit −$9,328/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$2.0M
vs comparable
Return before costs
1.51%
est rent $2,491/monot enough comparables
Bedrooms
6
0 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $495,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$9,328
after mortgage, operating costs & tax
Income
Monthly rent+$2,491
After 2wk voids: $2,395/mo
Outgoings
Mortgage-$9,880
Operating costs-$1,939
show breakdown ▾
Management (10% of rent)-$249
CapEx reserve (5% of rent)-$125
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1.51%
Cash returnon cash-12.18%
Gross margin$456
Cash needed$918,660
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.15
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)6 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$20,790
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$557,646
Acquisition costs
$919K
25% deposit$495,000
Refurb$379,110
Legal + survey$3,700
Mortgage + broker$30,700
Cash needed$918,660
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice