No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,794/mo from completion — the no.1 reason to invest
1001.8% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
Floor area 10 sqft — small for the type
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
$3K
Return before costson price
—
est rent $3,650not enough comparables
Cash needed
$3K
deposit + costs
Monthly profit
+$3K
net of mgmt + voids
5y Return on your cash
5304.2%
after tax
IRR
1001.8%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 7 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $775
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$2,794
after mortgage, operating costs & tax
Income
Monthly rent+$3,650
After 2wk voids: $3,510/mo
Outgoings
Mortgage-$15
Operating costs-$841
show breakdown ▾
Management (10% of rent)-$365
CapEx reserve (5% of rent)-$183
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1412.90%
Cash returnon cash1233.01%
Gross margin$2,669
Cash needed$2,719
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check15.16
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
$43,800
$10,092
$186
$0
$6,369
$27,154
$27,154
Year 2
$45,114
$10,395
$186
$0
$6,561
$27,973
$55,126
Year 3
$46,467
$10,706
$186
$0
$6,759
$28,816
$83,943
Year 4
$47,861
$11,028
$186
$0
$6,963
$29,685
$113,628
Year 5
$49,297
$11,358
$186
$0
$7,173
$30,580
$144,208
Year 5 disposal
Disposal gain (gross)-$3,685
CGT$0
Net Disposal proceeds$3,337
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4882.1 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
Price
$3K
vs comparable
Return before costs
—
est rent $3,650/monot enough comparables
Bedrooms
2
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 7 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $775
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$2,794
after mortgage, operating costs & tax
Income
Monthly rent+$3,650
After 2wk voids: $3,510/mo
Outgoings
Mortgage-$15
Operating costs-$841
show breakdown ▾
Management (10% of rent)-$365
CapEx reserve (5% of rent)-$183
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1412.90%
Cash returnon cash1233.01%
Gross margin$2,669
Cash needed$2,719
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check15.16
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 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$33
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$144,208
Acquisition costs
$3K
25% deposit$775
Refurb$1,860
Legal + survey$2,000
Mortgage + broker$1,047
Cash needed$2,719
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