Real 7.81% return before costs but flagged risks need pricing in.
Why it works
7.81% return before costs — above-market
Why to be cautious
Monthly profit −$293/mo — significantly negative — real recurring drain
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
$368K
Return before costson price
7.81%
est rent $2,396not enough comparablesRange $2,037–$2,818/mo (Q1–Q3)
Cash needed
$261K
deposit + costs
Monthly profit
−$293
net of mgmt + voids
5y Return on your cash
-4.6%
after tax
IRR
—
cash + capital
Rent Range
$2,037–$2,818
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,037–$2,818/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $91,998
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $111,560–$208,010 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $275,992.5 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
-$293
after mortgage, operating costs & tax
Rent in$2,304/mo
Where it goes
$1,836$853
Outgoings exceed rent — you top up $293/mo
Mortgage$1,836
Costs$853
Management$240
Maintenance$67
Insurance$28
CapEx reserve$120
Voids + council tax$7
Tax—
Shortfall−$293
Income
Monthly rent+$2,396
After 2wk voids: $2,304/mo
Outgoings
Mortgage-$1,836
Operating costs-$853
show breakdown ▾
Management (10% of rent)-$240
CapEx reserve (5% of rent)-$120
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.81%
Cash returnon cash-1.35%
Gross margin$1,451
Cash needed$260,798
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.75
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
$28,752
$10,236
$22,034
$0
$0
-$3,518
-$3,518
Year 2
$29,615
$10,543
$22,034
$0
$0
-$2,963
-$6,481
Year 3
$30,503
$10,860
$22,034
$0
$0
-$2,391
-$8,872
Year 4
$31,418
$11,185
$22,034
$0
$0
-$1,801
-$10,674
Year 5
$32,361
$11,521
$22,034
$0
$0
-$1,195
-$11,868
Year 5 disposal
Disposal gain (gross)-$141,152
CGT$0
Net Disposal proceeds$396,133
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5979 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $2,396/monot enough comparablesRange $2,037–$2,818/mo (Q1–Q3)
Bedrooms
5
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,037–$2,818/mo · n=1
Financing
DepositYour cash in — the rest is the mortgage25% · $91,998
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $111,560–$208,010 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $275,992.5 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
-$293
after mortgage, operating costs & tax
Rent in$2,304/mo
Where it goes
$1,836$853
Outgoings exceed rent — you top up $293/mo
Mortgage$1,836
Costs$853
Management$240
Maintenance$67
Insurance$28
CapEx reserve$120
Voids + council tax$7
Tax—
Shortfall−$293
Income
Monthly rent+$2,396
After 2wk voids: $2,304/mo
Outgoings
Mortgage-$1,836
Operating costs-$853
show breakdown ▾
Management (10% of rent)-$240
CapEx reserve (5% of rent)-$120
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.81%
Cash returnon cash-1.35%
Gross margin$1,451
Cash needed$260,798
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.75
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
$28,752
$10,236
$22,034
$0
$0
-$3,518
-$3,518
Year 2
$29,615
$10,543
$22,034
$0
$0
-$2,963
-$6,481
Year 3
$30,503
$10,860
$22,034
$0
$0
-$2,391
-$8,872
Year 4
$31,418
$11,185
$22,034
$0
$0
-$1,801
-$10,674
Year 5
$32,361
$11,521
$22,034
$0
$0
-$1,195
-$11,868
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
$261K
25% deposit$91,998
Refurb$159,785
Legal + survey$2,150
Mortgage + broker$6,520
Cash needed$260,798
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