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
$28.95M
Return before costson price
93.00%
est rent $22,500not enough comparablesRange $8,584–$9,957/mo (Q1–Q3)
Cash needed
$8.70M
deposit + costs
Monthly profit
−$168K
net of mgmt + voids
5y Return on your cash
-116.9%
after tax
IRR
—
cash + capital
Rent Range
$8,584–$9,957
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $8,584–$9,957/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $7,237,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$168,080
after mortgage, operating costs & tax
Income
Monthly rent+$22,500
After 2wk voids: $21,635/mo
Outgoings
Mortgage-$144,454
Operating costs-$46,127
show breakdown ▾
Management (10% of rent)-$2,250
CapEx reserve (5% of rent)-$1,125
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.93%
Cash returnon cash-23.18%
Gross margin-$24,492
Cash needed$8,700,435
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.08
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$270,000
$553,520
$1,733,446
$0
$0
-$2,016,965
-$2,016,965
Year 2
$278,100
$570,125
$1,733,446
$0
$0
-$2,025,471
-$4,042,436
Year 3
$286,443
$587,229
$1,733,446
$0
$0
-$2,034,232
-$6,076,668
Year 4
$295,036
$604,846
$1,733,446
$0
$0
-$2,043,255
-$8,119,923
Year 5
$303,887
$622,991
$1,733,446
$0
$0
-$2,052,549
-$10,172,472
Year 5 disposal
Disposal gain (gross)$1,000,476
CGT$250,119
Net Disposal proceeds$30,913,942
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 · 5179.3 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $22,500/monot enough comparablesRange $8,584–$9,957/mo (Q1–Q3)
Bedrooms
4
11 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $8,584–$9,957/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $7,237,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$168,080
after mortgage, operating costs & tax
Income
Monthly rent+$22,500
After 2wk voids: $21,635/mo
Outgoings
Mortgage-$144,454
Operating costs-$46,127
show breakdown ▾
Management (10% of rent)-$2,250
CapEx reserve (5% of rent)-$1,125
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.93%
Cash returnon cash-23.18%
Gross margin-$24,492
Cash needed$8,700,435
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.08
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)4 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$303,975
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$10,172,472
Acquisition costs
$8.7M
25% deposit$7,237,500
Refurb$630,885
Legal + survey$3,700
Mortgage + broker$435,250
Cash needed$8,700,435
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