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
−$4K/mo
You top up $4K/mo
Price
$625K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$294K
Deposit + fees + refurb
5-yr return on cash -80%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,007–$4,284/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $156,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $84,645–$158,025 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $468,750 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$3,894
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$3,119Mortgage$775Costs
Outgoings exceed rent — you top up $3,894/mo
Mortgage$3,119
Costs$775
Maintenance$67
Insurance$40
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$3,894
Returns
Return before costson price0.00%
Cash returnon cash-15.87%
Gross margin-$775
Cash needed$294,498
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$9,300
$37,423
$0
$0
-$46,723
-$46,723
Year 2
$0
$9,579
$37,423
$0
$0
-$47,002
-$93,726
Year 3
$0
$9,866
$37,423
$0
$0
-$47,290
-$141,015
Year 4
$0
$10,162
$37,423
$0
$0
-$47,586
-$188,601
Year 5
$0
$10,467
$37,423
$0
$0
-$47,891
-$236,492
Year 5 disposal
Disposal gain (gross)-$88,936
CGT$0
Net Disposal proceeds$672,799
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 · 4837.8 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Monthly profit −$3,894/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$4K/mo
You top up $4K/mo
Price
$625K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$294K
Deposit + fees + refurb
5-yr return on cash -80%
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,007–$4,284/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $156,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $84,645–$158,025 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $468,750 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$3,894
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$3,119Mortgage$775Costs
Outgoings exceed rent — you top up $3,894/mo
Mortgage$3,119
Costs$775
Maintenance$67
Insurance$40
Voids + council tax$11
Ltd co. accounts$104
Tax—
Shortfall−$3,894
Returns
Return before costson price0.00%
Cash returnon cash-15.87%
Gross margin-$775
Cash needed$294,498
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$9,300
$37,423
$0
$0
-$46,723
-$46,723
Year 2
$0
$9,579
$37,423
$0
$0
-$47,002
-$93,726
Year 3
$0
$9,866
$37,423
$0
$0
-$47,290
-$141,015
Year 4
$0
$10,162
$37,423
$0
$0
-$47,586
-$188,601
Year 5
$0
$10,467
$37,423
$0
$0
-$47,891
-$236,492
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
$294K
25% deposit$156,250
Refurb$121,335
Legal + survey$2,900
Mortgage + broker$10,375
Cash needed$294,498
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