Monthly profit +$429/mo from completion — the no.1 reason to invest
13.02% return before costs — above-market
Why to be cautious
-9.0% 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
$225K
Return before costson price
13.02%
est rent $2,441not enough comparables
Cash needed
$152K
deposit + costs
Monthly profit
+$429
net of mgmt + voids
5y Return on your cash
16.7%
after tax
IRR
-9.0%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$429
after mortgage, operating costs & tax
Income
Monthly rent+$2,441
After 2wk voids: $2,347/mo
Outgoings
Mortgage-$1,123
Operating costs-$889
show breakdown ▾
Management (10% of rent)-$244
CapEx reserve (5% of rent)-$122
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.02%
Cash returnon cash3.38%
Gross margin$1,458
Cash needed$152,348
Monthly profit payback29y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.10
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$29,292
$10,673
$13,472
$0
$978
$4,169
$4,169
Year 2
$30,171
$10,993
$13,472
$0
$1,084
$4,621
$8,790
Year 3
$31,076
$11,323
$13,472
$0
$1,193
$5,088
$13,878
Year 4
$32,008
$11,663
$13,472
$0
$1,306
$5,567
$19,445
Year 5
$32,968
$12,012
$13,472
$0
$1,422
$6,062
$25,506
Year 5 disposal
Disposal gain (gross)-$77,777
CGT$0
Net Disposal proceeds$242,208
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5378.8 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $56,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$429
after mortgage, operating costs & tax
Income
Monthly rent+$2,441
After 2wk voids: $2,347/mo
Outgoings
Mortgage-$1,123
Operating costs-$889
show breakdown ▾
Management (10% of rent)-$244
CapEx reserve (5% of rent)-$122
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.02%
Cash returnon cash3.38%
Gross margin$1,458
Cash needed$152,348
Monthly profit payback29y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.10
Rent-covers-mortgage check PASS (target 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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$2,363
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$25,506
Acquisition costs
$152K
25% deposit$56,250
Refurb$88,785
Legal + survey$1,700
Mortgage + broker$4,375
Cash needed$152,348
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice