-12.4% 5y IRR — capital outlay disproportionate to returns
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
$500K
Return before costson price
6.51%
est rent $2,713not enough comparables
Cash needed
$252K
deposit + costs
Monthly profit
−$830
net of mgmt + voids
5y Return on your cash
-17.3%
after tax
IRR
-12.4%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $124,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$830
after mortgage, operating costs & tax
Income
Monthly rent+$2,713
After 2wk voids: $2,609/mo
Outgoings
Mortgage-$2,494
Operating costs-$1,049
show breakdown ▾
Management (10% of rent)-$271
CapEx reserve (5% of rent)-$136
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.51%
Cash returnon cash-3.96%
Gross margin$1,560
Cash needed$251,808
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.63
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$32,556
$12,585
$29,933
$0
$0
-$9,961
-$9,961
Year 2
$33,533
$12,962
$29,933
$0
$0
-$9,362
-$19,323
Year 3
$34,539
$13,351
$29,933
$0
$0
-$8,745
-$28,068
Year 4
$35,575
$13,751
$29,933
$0
$0
-$8,109
-$36,177
Year 5
$36,642
$14,164
$29,933
$0
$0
-$7,455
-$43,632
Year 5 disposal
Disposal gain (gross)-$89,501
CGT$0
Net Disposal proceeds$538,132
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 Aberdeen · 7379.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
6.51% Return before costs — around the area average for this property type.
Monthly profit −$830/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$500K
vs comparable
Return before costs
6.51%
est rent $2,713/monot enough comparables
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $124,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$830
after mortgage, operating costs & tax
Income
Monthly rent+$2,713
After 2wk voids: $2,609/mo
Outgoings
Mortgage-$2,494
Operating costs-$1,049
show breakdown ▾
Management (10% of rent)-$271
CapEx reserve (5% of rent)-$136
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.51%
Cash returnon cash-3.96%
Gross margin$1,560
Cash needed$251,808
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.63
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$5,249
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$43,632
Acquisition costs
$252K
25% deposit$124,975
Refurb$115,585
Legal + survey$2,150
Mortgage + broker$8,499
Cash needed$251,808
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice