Monthly profit +$202/mo from completion — the no.1 reason to invest
9.52% 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
+$202/mo
Pays you every month, net of costs
Price
$427K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$178K
Deposit + fees + refurb
Return before costson price9.52%5-yr return on cash 9%Rent est. $3,390 ($2,716–$4,231)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,716–$4,231/mo · n=51
Financing
DepositYour cash in — the rest is the mortgage25% · $106,822
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,585–$80,185 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $320,465.25 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
+$202
after mortgage, operating costs & tax
Rent in$3,390/mo
$3,260Collected
$3,260/mo actually reaches you — the other $130 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,132Mortgage$1,056Costs
$202/mo left as profit · 6% of rent kept
Mortgage$2,132
Costs$1,056
Management$339
Maintenance$67
Insurance$40
CapEx reserve$170
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$202
Returns
Return before costson price9.52%
Cash returnon cash1.36%
Gross margin$2,204
Cash needed$178,291
Monthly profit payback73y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
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
$40,680
$12,671
$25,585
$0
$461
$1,963
$1,963
Year 2
$41,900
$13,051
$25,585
$0
$620
$2,644
$4,607
Year 3
$43,157
$13,443
$25,585
$0
$785
$3,345
$7,952
Year 4
$44,452
$13,846
$25,585
$0
$954
$4,067
$12,019
Year 5
$45,786
$14,262
$25,585
$0
$1,128
$4,811
$16,830
Year 5 disposal
Disposal gain (gross)-$39,403
CGT$0
Net Disposal proceeds$459,965
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Aberdeen · 8082.5 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
370 Monterey Blvd APT 313, San Francisco, CA 94131
condo · 1 bed · 1 bath · 807 sqft
$427,287
est $3,390 · 9.52% gross
1 / 21
85/100
Strong
Real 9.52% — fundamentals work.
Monthly profit+$202/mo at 25% deposit @ 5.5%
9.52% Return before costs — above-market
Monthly cashflow
+$202/mo
Pays you every month, net of costs
Price
$427K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$178K
Deposit + fees + refurb
Return before costson price9.52%5-yr return on cash 9%Rent est. $3,390 ($2,716–$4,231)
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,716–$4,231/mo · n=51
Financing
DepositYour cash in — the rest is the mortgage25% · $106,822
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $42,585–$80,185 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $320,465.25 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
+$202
after mortgage, operating costs & tax
Rent in$3,390/mo
$3,260Collected
$3,260/mo actually reaches you — the other $130 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,132Mortgage$1,056Costs
$202/mo left as profit · 6% of rent kept
Mortgage$2,132
Costs$1,056
Management$339
Maintenance$67
Insurance$40
CapEx reserve$170
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$202
Returns
Return before costson price9.52%
Cash returnon cash1.36%
Gross margin$2,204
Cash needed$178,291
Monthly profit payback73y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check0.93
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
$40,680
$12,671
$25,585
$0
$461
$1,963
$1,963
Year 2
$41,900
$13,051
$25,585
$0
$620
$2,644
$4,607
Year 3
$43,157
$13,443
$25,585
$0
$785
$3,345
$7,952
Year 4
$44,452
$13,846
$25,585
$0
$954
$4,067
$12,019
Year 5
$45,786
$14,262
$25,585
$0
$1,128
$4,811
$16,830
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$178K
25% deposit$106,822
Refurb$61,385
Legal + survey$2,150
Mortgage + broker$7,409
Cash needed$178,291
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