Real 18.22% return before costs with manageable risks.
Why it works
Monthly profit +$1,153/mo from completion — the no.1 reason to invest
18.22% return before costs — above-market
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
+$1K/mo
Pays you every month, net of costs
Price
$230K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$202K
Deposit + fees + refurb
Return before costson price18.22%5-yr return on cash 31%Rent est. $3,492 ($2,968–$4,109)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,968–$4,109/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $57,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $230,000 asking ($138,000). Raw model: $138,085–$257,135. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $172,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,153
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,148Mortgage$1,191Costs$1,153Your profit
$1,153/mo left as profit · 34% of rent kept
Mortgage$1,148
Costs$1,191
Management$349
Maintenance$67
Insurance$28
CapEx reserve$175
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$1,153
Returns
Return before costson price18.22%
Cash returnon cash6.84%
Gross margin$2,166
Cash needed$202,400
Monthly profit payback14y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.45
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
$41,904
$14,297
$13,772
$0
$2,629
$11,206
$11,206
Year 2
$43,161
$14,726
$13,772
$0
$2,786
$11,877
$23,083
Year 3
$44,456
$15,168
$13,772
$0
$2,948
$12,568
$35,651
Year 4
$45,790
$15,623
$13,772
$0
$3,115
$13,280
$48,931
Year 5
$47,163
$16,092
$13,772
$0
$3,287
$14,013
$62,944
Year 5 disposal
Disposal gain (gross)-$126,710
CGT$0
Net Disposal proceeds$247,590
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 cohort8 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4997.3 km
Reason
8-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
18.22% Return before costs — above-market
Monthly cashflow
+$1K/mo
Pays you every month, net of costs
Price
$230K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$202K
Deposit + fees + refurb
Return before costson price18.22%5-yr return on cash 31%Rent est. $3,492 ($2,968–$4,109)
Bedrooms
8
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,968–$4,109/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $57,500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $230,000 asking ($138,000). Raw model: $138,085–$257,135. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $172,500 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$1,153
after mortgage, operating costs & tax
Rent in$3,492/mo
$3,358Collected
$3,358/mo actually reaches you — the other $134 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,148Mortgage$1,191Costs$1,153Your profit
$1,153/mo left as profit · 34% of rent kept
Mortgage$1,148
Costs$1,191
Management$349
Maintenance$67
Insurance$28
CapEx reserve$175
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$1,153
Returns
Return before costson price18.22%
Cash returnon cash6.84%
Gross margin$2,166
Cash needed$202,400
Monthly profit payback14y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.45
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
$41,904
$14,297
$13,772
$0
$2,629
$11,206
$11,206
Year 2
$43,161
$14,726
$13,772
$0
$2,786
$11,877
$23,083
Year 3
$44,456
$15,168
$13,772
$0
$2,948
$12,568
$35,651
Year 4
$45,790
$15,623
$13,772
$0
$3,115
$13,280
$48,931
Year 5
$47,163
$16,092
$13,772
$0
$3,287
$14,013
$62,944
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$202K
25% deposit$57,500
Refurb$138,000
Legal + survey$1,700
Mortgage + broker$4,450
Cash needed$202,400
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