No rent data on file — verify locally before offering.
Why it works
Monthly profit +$804/mo from completion — the no.1 reason to invest
716.2% 5y IRR — strong total return on capital
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
$1K
Return before costson price
—
est rent $1,184not enough comparables
Cash needed
$1K
deposit + costs
Monthly profit
+$804
net of mgmt + voids
5y Return on your cash
3788.3%
after tax
IRR
716.2%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $313
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$804
after mortgage, operating costs & tax
Income
Monthly rent+$1,184
After 2wk voids: $1,138/mo
Outgoings
Mortgage-$6
Operating costs-$374
show breakdown ▾
Management (10% of rent)-$118
CapEx reserve (5% of rent)-$59
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 price1136.64%
Cash returnon cash880.51%
Gross margin$765
Cash needed$1,096
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check5.28
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$14,208
$4,486
$75
$0
$1,833
$7,814
$7,814
Year 2
$14,634
$4,621
$75
$0
$1,888
$8,051
$15,865
Year 3
$15,073
$4,759
$75
$0
$1,945
$8,294
$24,159
Year 4
$15,525
$4,902
$75
$0
$2,004
$8,545
$32,704
Year 5
$15,991
$5,049
$75
$0
$2,065
$8,802
$41,506
Year 5 disposal
Disposal gain (gross)-$2,679
CGT$0
Net Disposal proceeds$1,346
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknown
Tenant profilelikely cohort0 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6120 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $313
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$804
after mortgage, operating costs & tax
Income
Monthly rent+$1,184
After 2wk voids: $1,138/mo
Outgoings
Mortgage-$6
Operating costs-$374
show breakdown ▾
Management (10% of rent)-$118
CapEx reserve (5% of rent)-$59
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 price1136.64%
Cash returnon cash880.51%
Gross margin$765
Cash needed$1,096
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check5.28
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)0 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$13
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$41,506
Acquisition costs
$1K
25% deposit$313
Refurb$750
Legal + survey$2,000
Mortgage + broker$1,019
Cash needed$1,096
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