No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,735/mo from completion — the no.1 reason to invest
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 →
Monthly cashflow
+$3K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 4473%Rent est. $3,582
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $900
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,600 asking ($2,160). Raw model: $80,170–$149,850. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $2,700 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,735
after mortgage, operating costs & tax
Rent in$3,582/mo
$3,444Collected
$3,444/mo actually reaches you — the other $138 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$829Costs$2,735Your profit
$2,735/mo left as profit · 79% of rent kept
Mortgage$18
Costs$829
Management$358
Maintenance$67
Insurance$20
CapEx reserve$179
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,735
Returns
Return before costson price1194.00%
Cash returnon cash1039.73%
Gross margin$2,616
Cash needed$3,157
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check14.62
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
$42,984
$9,944
$216
$0
$6,237
$26,587
$26,587
Year 2
$44,274
$10,242
$216
$0
$6,425
$27,391
$53,978
Year 3
$45,602
$10,550
$216
$0
$6,619
$28,218
$82,196
Year 4
$46,970
$10,866
$216
$0
$6,819
$29,069
$111,265
Year 5
$48,379
$11,192
$216
$0
$7,025
$29,946
$141,211
Year 5 disposal
Disposal gain (gross)-$3,957
CGT$0
Net Disposal proceeds$3,875
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 cohort3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4910.2 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
+$3K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 4473%Rent est. $3,582
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $900
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,600 asking ($2,160). Raw model: $80,170–$149,850. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $2,700 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,735
after mortgage, operating costs & tax
Rent in$3,582/mo
$3,444Collected
$3,444/mo actually reaches you — the other $138 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$829Costs$2,735Your profit
$2,735/mo left as profit · 79% of rent kept
Mortgage$18
Costs$829
Management$358
Maintenance$67
Insurance$20
CapEx reserve$179
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,735
Returns
Return before costson price1194.00%
Cash returnon cash1039.73%
Gross margin$2,616
Cash needed$3,157
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check14.62
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
$42,984
$9,944
$216
$0
$6,237
$26,587
$26,587
Year 2
$44,274
$10,242
$216
$0
$6,425
$27,391
$53,978
Year 3
$45,602
$10,550
$216
$0
$6,619
$28,218
$82,196
Year 4
$46,970
$10,866
$216
$0
$6,819
$29,069
$111,265
Year 5
$48,379
$11,192
$216
$0
$7,025
$29,946
$141,211
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$3K
25% deposit$900
Refurb$2,160
Legal + survey$2,000
Mortgage + broker$1,054
Cash needed$3,157
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