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
$300K
Return before costson price
5.80%
est rent $1,450not enough comparablesRange $1,450–$1,450/mo (Q1–Q3)
Cash needed
$179K
deposit + costs
Monthly profit
−$675
net of mgmt + voids
5y Return on your cash
-20.9%
after tax
IRR
—
cash + capital
Rent Range
$1,450–$1,450
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,450–$1,450/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $75,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $67,640–$126,580 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $224,999.25 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$675
after mortgage, operating costs & tax
Rent in$1,394/mo
Where it goes
$1,497$628
Outgoings exceed rent — you top up $675/mo
Mortgage$1,497
Costs$628
Management$145
Maintenance$67
Insurance$28
CapEx reserve$73
Voids + council tax$7
Tax—
Shortfall−$675
Income
Monthly rent+$1,450
After 2wk voids: $1,394/mo
Outgoings
Mortgage-$1,497
Operating costs-$628
show breakdown ▾
Management (10% of rent)-$145
CapEx reserve (5% of rent)-$73
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.80%
Cash returnon cash-4.51%
Gross margin$766
Cash needed$179,460
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.55
Rent-covers-mortgage check FAIL (need ≥ 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
$17,400
$7,539
$17,963
$0
$0
-$8,102
-$8,102
Year 2
$17,922
$7,765
$17,963
$0
$0
-$7,806
-$15,909
Year 3
$18,460
$7,998
$17,963
$0
$0
-$7,502
-$23,410
Year 4
$19,013
$8,238
$17,963
$0
$0
-$7,188
-$30,598
Year 5
$19,584
$8,485
$17,963
$0
$0
-$6,865
-$37,463
Year 5 disposal
Disposal gain (gross)-$82,316
CGT$0
Net Disposal proceeds$322,943
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5984.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
5.80% Return before costs — around the area average for this property type.
Monthly profit −$675/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$300K
Return before costs
5.80%
est rent $1,450/monot enough comparablesRange $1,450–$1,450/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,450–$1,450/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $75,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $67,640–$126,580 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $224,999.25 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$675
after mortgage, operating costs & tax
Rent in$1,394/mo
Where it goes
$1,497$628
Outgoings exceed rent — you top up $675/mo
Mortgage$1,497
Costs$628
Management$145
Maintenance$67
Insurance$28
CapEx reserve$73
Voids + council tax$7
Tax—
Shortfall−$675
Income
Monthly rent+$1,450
After 2wk voids: $1,394/mo
Outgoings
Mortgage-$1,497
Operating costs-$628
show breakdown ▾
Management (10% of rent)-$145
CapEx reserve (5% of rent)-$73
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.80%
Cash returnon cash-4.51%
Gross margin$766
Cash needed$179,460
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.55
Rent-covers-mortgage check FAIL (need ≥ 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
$17,400
$7,539
$17,963
$0
$0
-$8,102
-$8,102
Year 2
$17,922
$7,765
$17,963
$0
$0
-$7,806
-$15,909
Year 3
$18,460
$7,998
$17,963
$0
$0
-$7,502
-$23,410
Year 4
$19,013
$8,238
$17,963
$0
$0
-$7,188
-$30,598
Year 5
$19,584
$8,485
$17,963
$0
$0
-$6,865
-$37,463
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
Transport detail not loaded for this property.
Acquisition costs
$179K
25% deposit$75,000
Refurb$97,110
Legal + survey$2,150
Mortgage + broker$5,500
Cash needed$179,460
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