Real 7.84% return before costs but flagged risks need pricing in.
Why it works
7.84% return before costs — above-market
Why to be cautious
Monthly profit −$331/mo — significantly negative — real recurring drain
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
−$331/mo
You top up $331/mo
Price
$195K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$172K
Deposit + fees + refurb
Return before costson price7.84%5-yr return on cash -10%Rent est. $1,273 ($1,164–$1,392)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,164–$1,392/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · $48,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $194,900 asking ($116,940). Raw model: $63,440–$118,780. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $146,175 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
-$331
after mortgage, operating costs & tax
Rent in$1,273/mo
$1,224Collected
$1,224/mo actually reaches you — the other $49 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$973Mortgage$632Costs
Outgoings exceed rent — you top up $331/mo
Mortgage$973
Costs$632
Management$127
Maintenance$67
Insurance$20
CapEx reserve$64
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$331
Returns
Return before costson price7.84%
Cash returnon cash-2.31%
Gross margin$592
Cash needed$171,999
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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
$15,276
$7,583
$11,670
$0
$0
-$3,977
-$3,977
Year 2
$15,734
$7,810
$11,670
$0
$0
-$3,746
-$7,723
Year 3
$16,206
$8,045
$11,670
$0
$0
-$3,509
-$11,232
Year 4
$16,692
$8,286
$11,670
$0
$0
-$3,264
-$14,496
Year 5
$17,193
$8,535
$11,670
$0
$0
-$3,011
-$17,507
Year 5 disposal
Disposal gain (gross)-$107,632
CGT$0
Net Disposal proceeds$209,806
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 · 5256.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price7.84%5-yr return on cash -10%Rent est. $1,273 ($1,164–$1,392)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,164–$1,392/mo · n=20
Financing
DepositYour cash in — the rest is the mortgage25% · $48,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $194,900 asking ($116,940). Raw model: $63,440–$118,780. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $146,175 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
-$331
after mortgage, operating costs & tax
Rent in$1,273/mo
$1,224Collected
$1,224/mo actually reaches you — the other $49 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$973Mortgage$632Costs
Outgoings exceed rent — you top up $331/mo
Mortgage$973
Costs$632
Management$127
Maintenance$67
Insurance$20
CapEx reserve$64
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$331
Returns
Return before costson price7.84%
Cash returnon cash-2.31%
Gross margin$592
Cash needed$171,999
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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
$15,276
$7,583
$11,670
$0
$0
-$3,977
-$3,977
Year 2
$15,734
$7,810
$11,670
$0
$0
-$3,746
-$7,723
Year 3
$16,206
$8,045
$11,670
$0
$0
-$3,509
-$11,232
Year 4
$16,692
$8,286
$11,670
$0
$0
-$3,264
-$14,496
Year 5
$17,193
$8,535
$11,670
$0
$0
-$3,011
-$17,507
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$172K
25% deposit$48,725
Refurb$116,940
Legal + survey$1,700
Mortgage + broker$3,924
Cash needed$171,999
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