No rent data on file — verify locally before offering.
Why it works
Monthly profit +$5,481/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
+$5K/mo
Pays you every month, net of costs
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
5-yr return on cash 171%Rent est. $8,245 ($4,777–$14,231)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,777–$14,231/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $185,000 asking ($111,000). Raw model: $2,155,800–$4,004,320. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,750 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$5,481
after mortgage, operating costs & tax
Rent in$8,245/mo
$7,928Collected
$7,928/mo actually reaches you — the other $317 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,841Costs$5,481Your profit
$5,481/mo left as profit · 69% of rent kept
Mortgage$923
Costs$1,841
Management$825
Maintenance$67
Insurance$20
CapEx reserve$412
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$5,481
Returns
Return before costson price53.48%
Cash returnon cash40.42%
Gross margin$6,087
Cash needed$162,708
Monthly profit payback2y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check4.77
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
$98,940
$22,093
$11,077
$0
$13,679
$52,091
$52,091
Year 2
$101,908
$22,756
$11,077
$0
$14,290
$53,785
$105,876
Year 3
$104,965
$23,438
$11,077
$0
$14,919
$55,531
$161,407
Year 4
$108,114
$24,141
$11,077
$0
$15,567
$57,329
$218,736
Year 5
$111,358
$24,866
$11,077
$0
$16,235
$59,180
$277,915
Year 5 disposal
Disposal gain (gross)-$102,251
CGT$0
Net Disposal proceeds$199,149
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 · 6810.5 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$5K/mo
Pays you every month, net of costs
Price
$185K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$163K
Deposit + fees + refurb
5-yr return on cash 171%Rent est. $8,245 ($4,777–$14,231)
Bedrooms
5
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,777–$14,231/mo · n=10
Financing
DepositYour cash in — the rest is the mortgage25% · $46,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $185,000 asking ($111,000). Raw model: $2,155,800–$4,004,320. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $138,750 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$5,481
after mortgage, operating costs & tax
Rent in$8,245/mo
$7,928Collected
$7,928/mo actually reaches you — the other $317 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,841Costs$5,481Your profit
$5,481/mo left as profit · 69% of rent kept
Mortgage$923
Costs$1,841
Management$825
Maintenance$67
Insurance$20
CapEx reserve$412
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$5,481
Returns
Return before costson price53.48%
Cash returnon cash40.42%
Gross margin$6,087
Cash needed$162,708
Monthly profit payback2y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check4.77
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
$98,940
$22,093
$11,077
$0
$13,679
$52,091
$52,091
Year 2
$101,908
$22,756
$11,077
$0
$14,290
$53,785
$105,876
Year 3
$104,965
$23,438
$11,077
$0
$14,919
$55,531
$161,407
Year 4
$108,114
$24,141
$11,077
$0
$15,567
$57,329
$218,736
Year 5
$111,358
$24,866
$11,077
$0
$16,235
$59,180
$277,915
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$163K
25% deposit$46,250
Refurb$111,000
Legal + survey$1,700
Mortgage + broker$3,775
Cash needed$162,708
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice