Monthly profit +$540/mo from completion — the no.1 reason to invest
12.03% return before costs — above-market
Why to be cautious
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
+$540/mo
Pays you every month, net of costs
Price
$280K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$201K
Deposit + fees + refurb
Return before costson price12.03%5-yr return on cash 16%Rent est. $2,808 ($2,614–$3,016)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,614–$3,016/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $70,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $86,260–$161,160 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $210,000 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
+$540
after mortgage, operating costs & tax
Rent in$2,808/mo
$2,700Collected
$2,700/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,397Mortgage$871Costs$540Your profit
$540/mo left as profit · 20% of rent kept
Mortgage$1,397
Costs$871
Management$281
Maintenance$67
Insurance$28
CapEx reserve$140
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$540
Returns
Return before costson price12.03%
Cash returnon cash3.23%
Gross margin$1,829
Cash needed$200,570
Monthly profit payback31y
Data confidence
Lender stress test
Rent-covers-mortgage check1.13
Rent-covers-mortgage check PASS (target 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
$33,696
$10,446
$16,766
$0
$1,232
$5,252
$5,252
Year 2
$34,707
$10,760
$16,766
$0
$1,364
$5,817
$11,069
Year 3
$35,748
$11,083
$16,766
$0
$1,501
$6,399
$17,468
Year 4
$36,821
$11,415
$16,766
$0
$1,642
$6,998
$24,466
Year 5
$37,925
$11,757
$16,766
$0
$1,786
$7,616
$32,082
Year 5 disposal
Disposal gain (gross)-$110,046
CGT$0
Net Disposal proceeds$301,414
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 · 5853.1 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price12.03%5-yr return on cash 16%Rent est. $2,808 ($2,614–$3,016)
Bedrooms
5
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,614–$3,016/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $70,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $86,260–$161,160 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $210,000 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
+$540
after mortgage, operating costs & tax
Rent in$2,808/mo
$2,700Collected
$2,700/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,397Mortgage$871Costs$540Your profit
$540/mo left as profit · 20% of rent kept
Mortgage$1,397
Costs$871
Management$281
Maintenance$67
Insurance$28
CapEx reserve$140
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$540
Returns
Return before costson price12.03%
Cash returnon cash3.23%
Gross margin$1,829
Cash needed$200,570
Monthly profit payback31y
Data confidence
Lender stress test
Rent-covers-mortgage check1.13
Rent-covers-mortgage check PASS (target 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
$33,696
$10,446
$16,766
$0
$1,232
$5,252
$5,252
Year 2
$34,707
$10,760
$16,766
$0
$1,364
$5,817
$11,069
Year 3
$35,748
$11,083
$16,766
$0
$1,501
$6,399
$17,468
Year 4
$36,821
$11,415
$16,766
$0
$1,642
$6,998
$24,466
Year 5
$37,925
$11,757
$16,766
$0
$1,786
$7,616
$32,082
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
$201K
25% deposit$70,000
Refurb$123,710
Legal + survey$2,150
Mortgage + broker$5,200
Cash needed$200,570
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