No rent data on file — verify locally before offering.
Why it works
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 →
Monthly cashflow
—
Not modelled
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
—
Deposit + fees + refurb
Rent est. $1,100
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $33,240–$62,830 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$743
after mortgage, operating costs & tax
Rent in$1,100/mo
$1,058Collected
$1,058/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$357Costs$743Your profit
$743/mo left as profit · 70% of rent kept
Mortgage$0
Costs$357
Management$110
Maintenance$67
Insurance$28
CapEx reserve$55
Voids + council tax$7
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$743
Returns
Return before costson price0.00%
Cash returnon cash18.55%
Gross margin$700
Cash needed$48,035
Monthly profit payback5y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check5.13
Rent-covers-mortgage check PASS (target 1.00)
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 cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4820.2 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$743/mo
Pays you every month, net of costs
Price
—
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$48K
Deposit + fees + refurb
5-yr return on cash 80%Rent est. $1,100
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25%
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $33,240–$62,830 range from $/sqft + per-room model
Legal + survey ($)
No price — using $1,500 default
Mortgage fees ($)
Default product + broker fee
Running costs
Management10%
0%20%
Typical rental agency rate
Void weeks
Typical voids for rental
Insurance ($/mo)
Default $28/mo (price unknown)
Maintenance ($/mo)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$743
after mortgage, operating costs & tax
Rent in$1,100/mo
$1,058Collected
$1,058/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$357Costs$743Your profit
$743/mo left as profit · 70% of rent kept
Mortgage$0
Costs$357
Management$110
Maintenance$67
Insurance$28
CapEx reserve$55
Voids + council tax$7
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$743
Returns
Return before costson price0.00%
Cash returnon cash18.55%
Gross margin$700
Cash needed$48,035
Monthly profit payback5y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check5.13
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$13,200
$4,288
$0
$0
$1,693
$7,219
$7,219
Year 2
$13,596
$4,416
$0
$0
$1,744
$7,436
$14,655
Year 3
$14,004
$4,549
$0
$0
$1,796
$7,659
$22,314
Year 4
$14,424
$4,685
$0
$0
$1,850
$7,889
$30,203
Year 5
$14,857
$4,826
$0
$0
$1,906
$8,125
$38,328
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$48K
25% deposit$0
Refurb$48,035
Legal + survey$1,500
Mortgage + broker$1,500
Cash needed$48,035
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