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
+$118/mo
Barely breaks even each month
Price
$99K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$87K
Deposit + fees + refurb
Return before costson price13.22%5-yr return on cash 9%Rent est. $1,091 ($1,025–$1,161)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,025–$1,161/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $24,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $99,000 asking ($59,400). Raw model: $59,310–$111,110. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $74,250 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
+$118
after mortgage, operating costs & tax
Rent in$1,091/mo
$1,049Collected
$1,049/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$494Mortgage$479Costs
$118/mo left as profit · 11% of rent kept
Mortgage$494
Costs$479
Management$109
Maintenance$67
Insurance$20
CapEx reserve$55
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$118
Returns
Return before costson price13.22%
Cash returnon cash1.63%
Gross margin$571
Cash needed$87,368
Monthly profit payback61y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.00
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
$13,092
$5,742
$5,928
$0
$270
$1,152
$1,152
Year 2
$13,485
$5,915
$5,928
$0
$312
$1,330
$2,482
Year 3
$13,889
$6,092
$5,928
$0
$355
$1,514
$3,996
Year 4
$14,306
$6,275
$5,928
$0
$400
$1,703
$5,700
Year 5
$14,735
$6,463
$5,928
$0
$445
$1,899
$7,599
Year 5 disposal
Disposal gain (gross)-$55,509
CGT$0
Net Disposal proceeds$106,571
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5257.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price13.22%5-yr return on cash 9%Rent est. $1,091 ($1,025–$1,161)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,025–$1,161/mo · n=14
Financing
DepositYour cash in — the rest is the mortgage25% · $24,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $99,000 asking ($59,400). Raw model: $59,310–$111,110. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $74,250 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
+$118
after mortgage, operating costs & tax
Rent in$1,091/mo
$1,049Collected
$1,049/mo actually reaches you — the other $42 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$494Mortgage$479Costs
$118/mo left as profit · 11% of rent kept
Mortgage$494
Costs$479
Management$109
Maintenance$67
Insurance$20
CapEx reserve$55
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$118
Returns
Return before costson price13.22%
Cash returnon cash1.63%
Gross margin$571
Cash needed$87,368
Monthly profit payback61y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.00
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
$13,092
$5,742
$5,928
$0
$270
$1,152
$1,152
Year 2
$13,485
$5,915
$5,928
$0
$312
$1,330
$2,482
Year 3
$13,889
$6,092
$5,928
$0
$355
$1,514
$3,996
Year 4
$14,306
$6,275
$5,928
$0
$400
$1,703
$5,700
Year 5
$14,735
$6,463
$5,928
$0
$445
$1,899
$7,599
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
$87K
25% deposit$24,750
Refurb$59,400
Legal + survey$1,700
Mortgage + broker$2,485
Cash needed$87,368
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