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
−$834/mo
You top up $834/mo
Price
$425K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$245K
Deposit + fees + refurb
Return before costson price6.83%5-yr return on cash -18%Rent est. $2,420 ($1,911–$3,065)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,911–$3,065/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $106,248
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $87,445–$163,225 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $318,742.5 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$834
after mortgage, operating costs & tax
Rent in$2,420/mo
$2,327Collected
$2,327/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,121Mortgage$1,134Costs
Outgoings exceed rent — you top up $834/mo
Mortgage$2,121
Costs$1,134
Management$242
Maintenance$67
Insurance$40
CapEx reserve$121
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$834
Returns
Return before costson price6.83%
Cash returnon cash-4.08%
Gross margin$1,193
Cash needed$245,395
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.61
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
$29,040
$13,605
$25,447
$0
$0
-$10,012
-$10,012
Year 2
$29,911
$14,013
$25,447
$0
$0
-$9,549
-$19,562
Year 3
$30,809
$14,434
$25,447
$0
$0
-$9,072
-$28,634
Year 4
$31,733
$14,867
$25,447
$0
$0
-$8,581
-$37,216
Year 5
$32,685
$15,313
$25,447
$0
$0
-$8,075
-$45,291
Year 5 disposal
Disposal gain (gross)-$103,482
CGT$0
Net Disposal proceeds$457,493
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 · 5271.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Cypress Plan, North Hills Duplex Homes, Northampton, PA 18067
multi_family · 3 bed · 3 bath · 1,763 sqft
$424,990
est $2,420 · 6.83% gross
1 / 41
38/100
Marginal
6.83% — verify the rent + comps locally.
6.83% Return before costs — around the area average for this property type.
Monthly profit −$834/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$834/mo
You top up $834/mo
Price
$425K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$245K
Deposit + fees + refurb
Return before costson price6.83%5-yr return on cash -18%Rent est. $2,420 ($1,911–$3,065)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,911–$3,065/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $106,248
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $87,445–$163,225 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $318,742.5 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$834
after mortgage, operating costs & tax
Rent in$2,420/mo
$2,327Collected
$2,327/mo actually reaches you — the other $93 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,121Mortgage$1,134Costs
Outgoings exceed rent — you top up $834/mo
Mortgage$2,121
Costs$1,134
Management$242
Maintenance$67
Insurance$40
CapEx reserve$121
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$834
Returns
Return before costson price6.83%
Cash returnon cash-4.08%
Gross margin$1,193
Cash needed$245,395
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.61
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
$29,040
$13,605
$25,447
$0
$0
-$10,012
-$10,012
Year 2
$29,911
$14,013
$25,447
$0
$0
-$9,549
-$19,562
Year 3
$30,809
$14,434
$25,447
$0
$0
-$9,072
-$28,634
Year 4
$31,733
$14,867
$25,447
$0
$0
-$8,581
-$37,216
Year 5
$32,685
$15,313
$25,447
$0
$0
-$8,075
-$45,291
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$245K
25% deposit$106,248
Refurb$125,335
Legal + survey$2,150
Mortgage + broker$7,375
Cash needed$245,395
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice