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
−$1K/mo
You top up $1K/mo
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$129K
Deposit + fees + refurb
5-yr return on cash -67%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $54,375–$101,945 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,749.25 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
-$1,417
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$923Mortgage$494Costs
Outgoings exceed rent — you top up $1,417/mo
Mortgage$923
Costs$494
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$1,417
Returns
Return before costson price0.00%
Cash returnon cash-13.21%
Gross margin-$494
Cash needed$128,757
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$5,925
$11,077
$0
$0
-$17,003
-$17,003
Year 2
$0
$6,103
$11,077
$0
$0
-$17,180
-$34,183
Year 3
$0
$6,286
$11,077
$0
$0
-$17,364
-$51,547
Year 4
$0
$6,475
$11,077
$0
$0
-$17,552
-$69,099
Year 5
$0
$6,669
$11,077
$0
$0
-$17,746
-$86,845
Year 5 disposal
Disposal gain (gross)-$69,412
CGT$0
Net Disposal proceeds$199,147
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5920.5 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Monthly profit −$1,417/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$1K/mo
You top up $1K/mo
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$129K
Deposit + fees + refurb
5-yr return on cash -67%
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $54,375–$101,945 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,749.25 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
-$1,417
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$923Mortgage$494Costs
Outgoings exceed rent — you top up $1,417/mo
Mortgage$923
Costs$494
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$1,417
Returns
Return before costson price0.00%
Cash returnon cash-13.21%
Gross margin-$494
Cash needed$128,757
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$5,925
$11,077
$0
$0
-$17,003
-$17,003
Year 2
$0
$6,103
$11,077
$0
$0
-$17,180
-$34,183
Year 3
$0
$6,286
$11,077
$0
$0
-$17,364
-$51,547
Year 4
$0
$6,475
$11,077
$0
$0
-$17,552
-$69,099
Year 5
$0
$6,669
$11,077
$0
$0
-$17,746
-$86,845
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$129K
25% deposit$46,250
Refurb$78,160
Legal + survey$1,700
Mortgage + broker$3,775
Cash needed$128,757
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