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
−$167/mo
You top up $167/mo
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash -417%
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,900 asking ($1,740). Raw model: $73,310–$137,110. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,175 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
-$167
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$153Costs
Outgoings exceed rent — you top up $167/mo
Mortgage$14
Costs$153
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$167
Returns
Return before costson price0.00%
Cash returnon cash-78.97%
Gross margin-$153
Cash needed$2,543
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
$1,835
$174
$0
$0
-$2,008
-$2,008
Year 2
$0
$1,890
$174
$0
$0
-$2,063
-$4,072
Year 3
$0
$1,947
$174
$0
$0
-$2,120
-$6,192
Year 4
$0
$2,005
$174
$0
$0
-$2,179
-$8,371
Year 5
$0
$2,065
$174
$0
$0
-$2,239
-$10,609
Year 5 disposal
Disposal gain (gross)-$3,276
CGT$0
Net Disposal proceeds$3,122
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
2-bed · 2-bath · 1522 sqft
$38k–$74k
$ per sqft
building cost only
$25–$48
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$10,654–$19,786
Flooring · Carpet on bedrooms + LVT/laminate downstairs$16,742–$31,962
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history1d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — -$167/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
0.00%
-$167
$2,543
-417.2%
Low
Feasible
Refurb & refinance
0.00%
-$167
$3,123
-339.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$153
$5,233
-82%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$2,543cash needed
Purchase price$2,900
Deposit (25%)$725
Refurb$1,740
Legal + survey$1,700
Mortgage fees$1,044
Total cash neededdeposit + costs (loan covers the rest)$2,543
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: MA
Effective rate0.46%
Total at sale$13
Flat 0.46% transfer tax
About this propertydescription · zillowListing metazillow
Monthly profit −$167/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$167/mo
You top up $167/mo
Price
$3K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash -417%
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,900 asking ($1,740). Raw model: $73,310–$137,110. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,175 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
-$167
after mortgage, operating costs & tax
Rent in$0/mo
Where it goes
$153Costs
Outgoings exceed rent — you top up $167/mo
Mortgage$14
Costs$153
Maintenance$67
Insurance$20
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$167
Returns
Return before costson price0.00%
Cash returnon cash-78.97%
Gross margin-$153
Cash needed$2,543
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
$1,835
$174
$0
$0
-$2,008
-$2,008
Year 2
$0
$1,890
$174
$0
$0
-$2,063
-$4,072
Year 3
$0
$1,947
$174
$0
$0
-$2,120
-$6,192
Year 4
$0
$2,005
$174
$0
$0
-$2,179
-$8,371
Year 5
$0
$2,065
$174
$0
$0
-$2,239
-$10,609
What we verified
3 total
1101
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Acquisition costs
$3K
25% deposit$725
Refurb$1,740
Legal + survey$1,700
Mortgage + broker$1,044
Cash needed$2,543
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