No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,942/mo from completion — the no.1 reason to invest
675.3% 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
$3K
Return before costson price
—
est rent $2,601not enough comparables
Cash needed
$3K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
3571.3%
after tax
IRR
675.3%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $800
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,942
after mortgage, operating costs & tax
Income
Monthly rent+$2,601
After 2wk voids: $2,501/mo
Outgoings
Mortgage-$16
Operating costs-$643
show breakdown ▾
Management (10% of rent)-$260
CapEx reserve (5% of rent)-$130
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 price975.38%
Cash returnon cash830.06%
Gross margin$1,858
Cash needed$2,807
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.76
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
$31,212
$7,721
$192
$0
$4,427
$18,873
$18,873
Year 2
$32,148
$7,952
$192
$0
$4,561
$19,443
$38,316
Year 3
$33,113
$8,191
$192
$0
$4,699
$20,031
$58,347
Year 4
$34,106
$8,437
$192
$0
$4,841
$20,637
$78,984
Year 5
$35,129
$8,690
$192
$0
$4,987
$21,261
$100,245
Year 5 disposal
Disposal gain (gross)-$3,739
CGT$0
Net Disposal proceeds$3,445
What we verified
What we verified
2 total · click to expand
00020 ok · 0 caution · 0 fail · 2 unknown
Investor
Tenant profileUnknownRefurb costUnknown
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
0-bed · 1-bath · 500 sqft
$16k–$32k
$ per sqft
building cost only
$32–$65
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
1 × bathroom · Full strip + retile$3,325–$6,650
Paint + decor$3,500–$6,500
Flooring · Carpet on bedrooms + LVT/laminate downstairs$5,500–$10,500
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale historyShort-let (SA) contextHousing-benefit (LHA) scheme detail
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
975.38%
+$1,942
$2,807
3571.3%
Low
Feasible
Housing-benefit rent
731.63%
+$1,300
$2,807
2391.9%
Med
Feasible
Council lease
0.00%
-$169
$2,807
-381.8%
Low
Feasible
Refurb & refinance
975.38%
+$1,942
$3,447
2908.2%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabled
Buy, improve & sell
0.00%
-$153
$5,775
-100%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabled
Comparables
sold within 0.5 mi
Schools & catchment
Acquisition costs
All figures in $
Purchase price$3,200
Deposit (25%)$800
Refurb$1,920
Legal + survey$2,000
Mortgage fees$1,048
Total cash neededdeposit + costs (loan covers the rest)$2,807
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: MA
Effective rate0.46%
Total at sale$15
Flat 0.46% transfer tax
About this propertyNearby active comparables
Comparable rentals
same beds + type
No nearby rentals matched on postcode prefix + bedrooms + property type.
Other deals nearby
±25% price band
No other nearby investment deals matched on postcode prefix + bedrooms.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$3K
vs comparable
Return before costs
—
est rent $2,601/monot enough comparables
Bedrooms
0
1 bath
What we verified
3 total
0003
Building condition1▾
Refurb costBased on beds + baths + sqftNot stated on the listing
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $800
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,942
after mortgage, operating costs & tax
Income
Monthly rent+$2,601
After 2wk voids: $2,501/mo
Outgoings
Mortgage-$16
Operating costs-$643
show breakdown ▾
Management (10% of rent)-$260
CapEx reserve (5% of rent)-$130
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 price975.38%
Cash returnon cash830.06%
Gross margin$1,858
Cash needed$2,807
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.76
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
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$34
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$100,245
Acquisition costs
$3K
25% deposit$800
Refurb$1,920
Legal + survey$2,000
Mortgage + broker$1,048
Cash needed$2,807
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