No rent data on file — verify locally before offering.
Why it works
Monthly profit +$4,859/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
$10K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$9K
Deposit + fees + refurb
5-yr return on cash 2817%Rent est. $6,246
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $2,494
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $9,975 asking ($5,985). Raw model: $112,295–$209,375. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $7,481.25 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
+$4,859
after mortgage, operating costs & tax
Rent in$6,246/mo
$6,006Collected
$6,006/mo actually reaches you — the other $240 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,337Costs$4,859Your profit
$4,859/mo left as profit · 81% of rent kept
Mortgage$50
Costs$1,337
Management$625
Maintenance$67
Insurance$20
CapEx reserve$312
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$4,859
Returns
Return before costson price751.40%
Cash returnon cash666.53%
Gross margin$4,669
Cash needed$8,748
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check20.85
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
$74,952
$16,045
$597
$0
$11,702
$46,607
$46,607
Year 2
$77,201
$16,527
$597
$0
$12,170
$47,907
$94,514
Year 3
$79,517
$17,022
$597
$0
$12,653
$49,244
$143,758
Year 4
$81,902
$17,533
$597
$0
$13,149
$50,623
$194,381
Year 5
$84,359
$18,059
$597
$0
$13,661
$52,042
$246,422
Year 5 disposal
Disposal gain (gross)-$7,422
CGT$0
Net Disposal proceeds$10,738
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
3-bed · 3-bath · 2473 sqft
$58k–$113k
$ per sqft
building cost only
$24–$46
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
3 × bathroom · Full strip + retile$9,975–$19,950
Paint + decor$17,311–$32,149
Flooring · Carpet on bedrooms + LVT/laminate downstairs$27,203–$51,933
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history35d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$4,859/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
751.40%
+$4,859
$8,748
2816.8%
Low
Feasible
Refurb & refinance
751.40%
+$4,859
$10,743
2293.8%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$160
$18,000
-55%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$8,748cash needed
Purchase price$9,975
Deposit (25%)$2,494
Refurb$5,985
Legal + survey$2,000
Mortgage fees$1,150
Total cash neededdeposit + costs (loan covers the rest)$8,748
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: MA
Effective rate0.46%
Total at sale$45
Flat 0.46% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$5K/mo
Pays you every month, net of costs
Price
$10K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$9K
Deposit + fees + refurb
5-yr return on cash 2817%Rent est. $6,246
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $2,494
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $9,975 asking ($5,985). Raw model: $112,295–$209,375. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $7,481.25 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
+$4,859
after mortgage, operating costs & tax
Rent in$6,246/mo
$6,006Collected
$6,006/mo actually reaches you — the other $240 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,337Costs$4,859Your profit
$4,859/mo left as profit · 81% of rent kept
Mortgage$50
Costs$1,337
Management$625
Maintenance$67
Insurance$20
CapEx reserve$312
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$4,859
Returns
Return before costson price751.40%
Cash returnon cash666.53%
Gross margin$4,669
Cash needed$8,748
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check20.85
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
$74,952
$16,045
$597
$0
$11,702
$46,607
$46,607
Year 2
$77,201
$16,527
$597
$0
$12,170
$47,907
$94,514
Year 3
$79,517
$17,022
$597
$0
$12,653
$49,244
$143,758
Year 4
$81,902
$17,533
$597
$0
$13,149
$50,623
$194,381
Year 5
$84,359
$18,059
$597
$0
$13,661
$52,042
$246,422
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$9K
25% deposit$2,494
Refurb$5,985
Legal + survey$2,000
Mortgage + broker$1,150
Cash needed$8,748
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