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
+$174/mo
Barely breaks even each month
Price
$360K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$260K
Deposit + fees + refurb
Return before costson price10.55%5-yr return on cash 6%Rent est. $3,164
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $89,998
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $110,720–$206,450 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $269,992.5 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$174
after mortgage, operating costs & tax
Rent in$3,164/mo
$3,042Collected
$3,042/mo actually reaches you — the other $122 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,796Mortgage$1,193Costs
$174/mo left as profit · 6% of rent kept
Mortgage$1,796
Costs$1,193
Management$316
Maintenance$67
Insurance$28
CapEx reserve$158
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$174
Returns
Return before costson price10.55%
Cash returnon cash0.80%
Gross margin$1,849
Cash needed$260,282
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$37,968
$14,319
$21,555
$0
$398
$1,695
$1,695
Year 2
$39,107
$14,749
$21,555
$0
$533
$2,270
$3,965
Year 3
$40,280
$15,191
$21,555
$0
$671
$2,863
$6,828
Year 4
$41,489
$15,647
$21,555
$0
$814
$3,472
$10,300
Year 5
$42,733
$16,117
$21,555
$0
$962
$4,100
$14,400
Year 5 disposal
Disposal gain (gross)-$140,403
CGT$0
Net Disposal proceeds$387,522
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 · 3-bath · 2428 sqft
$58k–$111k
$ per sqft
building cost only
$24–$46
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
3 × bathroom · Full strip + retile$9,975–$19,950
Paint + decor$16,996–$31,564
Flooring · Carpet on bedrooms + LVT/laminate downstairs$26,708–$50,988
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history13d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$174/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
10.55%
+$174
$260,282
5.5%
Low
Feasible
Refurb & refinance
10.55%
+$174
$273,632
5.3%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$597
$535,525
-19%
Med
Feasible
Ready to move on this deal?
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Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$260,282cash needed
Purchase price$359,990
Deposit (25%)$89,998
Refurb$158,585
Legal + survey$2,150
Mortgage fees$6,400
Total cash neededdeposit + costs (loan covers the rest)$260,282
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: PA
Effective rate1.00%
Total at sale$3,600
Flat 1.00% transfer tax
About this propertydescription · zillowListing metazillow
Return before costson price10.55%5-yr return on cash 6%Rent est. $3,164
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $89,998
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $110,720–$206,450 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $269,992.5 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$174
after mortgage, operating costs & tax
Rent in$3,164/mo
$3,042Collected
$3,042/mo actually reaches you — the other $122 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,796Mortgage$1,193Costs
$174/mo left as profit · 6% of rent kept
Mortgage$1,796
Costs$1,193
Management$316
Maintenance$67
Insurance$28
CapEx reserve$158
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$174
Returns
Return before costson price10.55%
Cash returnon cash0.80%
Gross margin$1,849
Cash needed$260,282
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$37,968
$14,319
$21,555
$0
$398
$1,695
$1,695
Year 2
$39,107
$14,749
$21,555
$0
$533
$2,270
$3,965
Year 3
$40,280
$15,191
$21,555
$0
$671
$2,863
$6,828
Year 4
$41,489
$15,647
$21,555
$0
$814
$3,472
$10,300
Year 5
$42,733
$16,117
$21,555
$0
$962
$4,100
$14,400
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
$260K
25% deposit$89,998
Refurb$158,585
Legal + survey$2,150
Mortgage + broker$6,400
Cash needed$260,282
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