Monthly profit +$1,137/mo from completion — the no.1 reason to invest
13.32% return before costs — above-market
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
$500K
Return before costson price
13.32%
est rent $5,548not enough comparables
Cash needed
$191K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
34.7%
after tax
IRR
4.2%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 42 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $125,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,137
after mortgage, operating costs & tax
Income
Monthly rent+$5,548
After 2wk voids: $5,335/mo
Outgoings
Mortgage-$2,495
Operating costs-$1,916
show breakdown ▾
Management (10% of rent)-$555
CapEx reserve (5% of rent)-$277
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.32%
Cash returnon cash7.15%
Gross margin$3,418
Cash needed$190,785
Monthly profit payback14y
Data confidence
Lender stress test
Rent-covers-mortgage check1.15
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
$66,576
$22,997
$29,939
$0
$2,592
$11,048
$11,048
Year 2
$68,573
$23,687
$29,939
$0
$2,840
$12,108
$23,156
Year 3
$70,630
$24,398
$29,939
$0
$3,096
$13,198
$36,355
Year 4
$72,749
$25,129
$29,939
$0
$3,359
$14,322
$50,677
Year 5
$74,932
$25,883
$29,939
$0
$3,631
$15,479
$66,156
Year 5 disposal
Disposal gain (gross)-$26,446
CGT$0
Net Disposal proceeds$538,238
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5176.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
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What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 42 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $125,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$1,137
after mortgage, operating costs & tax
Income
Monthly rent+$5,548
After 2wk voids: $5,335/mo
Outgoings
Mortgage-$2,495
Operating costs-$1,916
show breakdown ▾
Management (10% of rent)-$555
CapEx reserve (5% of rent)-$277
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.32%
Cash returnon cash7.15%
Gross margin$3,418
Cash needed$190,785
Monthly profit payback14y
Data confidence
Lender stress test
Rent-covers-mortgage check1.15
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$5,250
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$66,156
Acquisition costs
$191K
25% deposit$125,000
Refurb$52,535
Legal + survey$2,150
Mortgage + broker$8,500
Cash needed$190,785
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