-14.2% 5y IRR — capital outlay disproportionate to returns
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
$745K
Return before costson price
7.78%
est rent $4,829not enough comparablesRange $3,215–$4,449/mo (Q1–Q3)
Cash needed
$457K
deposit + costs
Monthly profit
−$874
net of mgmt + voids
5y Return on your cash
-9.2%
after tax
IRR
-14.2%
cash + capital
Rent Range
$3,215–$4,449
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,215–$4,449/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $186,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$873
after mortgage, operating costs & tax
Income
Monthly rent+$4,829
After 2wk voids: $4,643/mo
Outgoings
Mortgage-$3,717
Operating costs-$1,985
show breakdown ▾
Management (10% of rent)-$483
CapEx reserve (5% of rent)-$241
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.78%
Cash returnon cash-2.29%
Gross margin$2,658
Cash needed$457,373
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
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
$57,948
$23,821
$44,609
$0
$0
-$10,482
-$10,482
Year 2
$59,686
$24,536
$44,609
$0
$0
-$9,458
-$19,940
Year 3
$61,477
$25,272
$44,609
$0
$0
-$8,404
-$28,344
Year 4
$63,321
$26,030
$44,609
$0
$0
-$7,318
-$35,661
Year 5
$65,221
$26,811
$44,609
$0
$0
-$6,199
-$41,860
Year 5 disposal
Disposal gain (gross)-$207,733
CGT$0
Net Disposal proceeds$801,977
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5314.8 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $4,829/monot enough comparablesRange $3,215–$4,449/mo (Q1–Q3)
Bedrooms
5
4 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,215–$4,449/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $186,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$873
after mortgage, operating costs & tax
Income
Monthly rent+$4,829
After 2wk voids: $4,643/mo
Outgoings
Mortgage-$3,717
Operating costs-$1,985
show breakdown ▾
Management (10% of rent)-$483
CapEx reserve (5% of rent)-$241
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.78%
Cash returnon cash-2.29%
Gross margin$2,658
Cash needed$457,373
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 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$7,823
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$41,860
Acquisition costs
$457K
25% deposit$186,250
Refurb$246,910
Legal + survey$2,900
Mortgage + broker$12,175
Cash needed$457,373
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