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
+$34/mo
Barely breaks even each month
Price
$215K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$188K
Deposit + fees + refurb
Return before costson price9.71%5-yr return on cash 3%Rent est. $1,739
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $53,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $215,000 asking ($129,000). Raw model: $95,010–$177,410. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $161,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$34
after mortgage, operating costs & tax
Rent in$1,739/mo
$1,672Collected
$1,672/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,073Mortgage$632Costs
$34/mo left as profit · 2% of rent kept
Mortgage$1,073
Costs$632
Management$174
Maintenance$67
Insurance$28
CapEx reserve$87
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$34
Returns
Return before costson price9.71%
Cash returnon cash0.22%
Gross margin$1,040
Cash needed$187,803
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.88
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
$20,868
$7,582
$12,874
$0
$78
$335
$335
Year 2
$21,494
$7,809
$12,874
$0
$154
$657
$992
Year 3
$22,139
$8,044
$12,874
$0
$232
$990
$1,981
Year 4
$22,803
$8,285
$12,874
$0
$312
$1,333
$3,314
Year 5
$23,487
$8,533
$12,874
$0
$395
$1,685
$4,999
Year 5 disposal
Disposal gain (gross)-$118,557
CGT$0
Net Disposal proceeds$231,443
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6194.4 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price9.71%5-yr return on cash 3%Rent est. $1,739
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $53,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $215,000 asking ($129,000). Raw model: $95,010–$177,410. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $161,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$34
after mortgage, operating costs & tax
Rent in$1,739/mo
$1,672Collected
$1,672/mo actually reaches you — the other $67 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,073Mortgage$632Costs
$34/mo left as profit · 2% of rent kept
Mortgage$1,073
Costs$632
Management$174
Maintenance$67
Insurance$28
CapEx reserve$87
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$34
Returns
Return before costson price9.71%
Cash returnon cash0.22%
Gross margin$1,040
Cash needed$187,803
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.88
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
$20,868
$7,582
$12,874
$0
$78
$335
$335
Year 2
$21,494
$7,809
$12,874
$0
$154
$657
$992
Year 3
$22,139
$8,044
$12,874
$0
$232
$990
$1,981
Year 4
$22,803
$8,285
$12,874
$0
$312
$1,333
$3,314
Year 5
$23,487
$8,533
$12,874
$0
$395
$1,685
$4,999
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$188K
25% deposit$53,750
Refurb$129,000
Legal + survey$1,700
Mortgage + broker$4,225
Cash needed$187,803
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