No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,432/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 →
Price
$4K
Return before costson price
—
est rent $3,215not enough comparables
Cash needed
$4K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
3426.9%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,050
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,200 asking ($2,520). Raw model: $143,475–$267,145. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,150 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,432
after mortgage, operating costs & tax
Rent in$3,091/mo
Where it goes
$762$2,432
$2,432/mo left as profit · 79% of rent kept
Mortgage$21
Costs$762
Management$322
Maintenance$67
Insurance$20
CapEx reserve$161
Voids + council tax$5
Tax—
Profit+$2,432
Income
Monthly rent+$3,215
After 2wk voids: $3,091/mo
Outgoings
Mortgage-$21
Operating costs-$762
show breakdown ▾
Management (10% of rent)-$322
CapEx reserve (5% of rent)-$161
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price918.57%
Cash returnon cash796.48%
Gross margin$2,330
Cash needed$3,665
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check12.73
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
$38,580
$9,141
$252
$0
$5,546
$23,641
$23,641
Year 2
$39,737
$9,416
$252
$0
$5,713
$24,357
$47,998
Year 3
$40,930
$9,698
$252
$0
$5,886
$25,094
$73,092
Year 4
$42,157
$9,989
$252
$0
$6,064
$25,853
$98,945
Year 5
$43,422
$10,289
$252
$0
$6,248
$26,634
$125,579
Year 5 disposal
Disposal gain (gross)-$3,983
CGT$0
Net Disposal proceeds$4,521
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 · 7208.9 km
Reason
4-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
Price
$4K
Return before costs
—
est rent $3,215/monot enough comparables
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,050
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,200 asking ($2,520). Raw model: $143,475–$267,145. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,150 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)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$2,432
after mortgage, operating costs & tax
Rent in$3,091/mo
Where it goes
$762$2,432
$2,432/mo left as profit · 79% of rent kept
Mortgage$21
Costs$762
Management$322
Maintenance$67
Insurance$20
CapEx reserve$161
Voids + council tax$5
Tax—
Profit+$2,432
Income
Monthly rent+$3,215
After 2wk voids: $3,091/mo
Outgoings
Mortgage-$21
Operating costs-$762
show breakdown ▾
Management (10% of rent)-$322
CapEx reserve (5% of rent)-$161
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price918.57%
Cash returnon cash796.48%
Gross margin$2,330
Cash needed$3,665
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check12.73
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
$38,580
$9,141
$252
$0
$5,546
$23,641
$23,641
Year 2
$39,737
$9,416
$252
$0
$5,713
$24,357
$47,998
Year 3
$40,930
$9,698
$252
$0
$5,886
$25,094
$73,092
Year 4
$42,157
$9,989
$252
$0
$6,064
$25,853
$98,945
Year 5
$43,422
$10,289
$252
$0
$6,248
$26,634
$125,579
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$4K
25% deposit$1,050
Refurb$2,520
Legal + survey$1,700
Mortgage + broker$1,063
Cash needed$3,665
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