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
$10.90M
Return before costson price
83.00%
est rent $7,498not enough comparables
Cash needed
$3.44M
deposit + costs
Monthly profit
−$65K
net of mgmt + voids
5y Return on your cash
-115.2%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $2,725,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$65,349
after mortgage, operating costs & tax
Income
Monthly rent+$7,498
After 2wk voids: $7,210/mo
Outgoings
Mortgage-$54,388
Operating costs-$18,458
show breakdown ▾
Management (10% of rent)-$750
CapEx reserve (5% of rent)-$375
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.83%
Cash returnon cash-22.80%
Gross margin-$11,248
Cash needed$3,438,685
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.07
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$89,976
$221,497
$652,662
$0
$0
-$784,183
-$784,183
Year 2
$92,675
$228,142
$652,662
$0
$0
-$788,128
-$1,572,311
Year 3
$95,456
$234,986
$652,662
$0
$0
-$792,192
-$2,364,503
Year 4
$98,319
$242,036
$652,662
$0
$0
-$796,378
-$3,160,882
Year 5
$101,269
$249,297
$652,662
$0
$0
-$800,690
-$3,961,571
Year 5 disposal
Disposal gain (gross)$301,334
CGT$75,333
Net Disposal proceeds$11,658,286
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4867 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $2,725,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$65,349
after mortgage, operating costs & tax
Income
Monthly rent+$7,498
After 2wk voids: $7,210/mo
Outgoings
Mortgage-$54,388
Operating costs-$18,458
show breakdown ▾
Management (10% of rent)-$750
CapEx reserve (5% of rent)-$375
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.83%
Cash returnon cash-22.80%
Gross margin-$11,248
Cash needed$3,438,685
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.07
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 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$114,450
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$3,961,571
Acquisition costs
$3.4M
25% deposit$2,725,000
Refurb$310,585
Legal + survey$3,700
Mortgage + broker$164,500
Cash needed$3,438,685
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice