-15.8% 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
$800K
Return before costson price
5.78%
est rent $3,854not enough comparables
Cash needed
$406K
deposit + costs
Monthly profit
−$2K
net of mgmt + voids
5y Return on your cash
-30.3%
after tax
IRR
-15.8%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $199,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,167
after mortgage, operating costs & tax
Income
Monthly rent+$3,854
After 2wk voids: $3,706/mo
Outgoings
Mortgage-$3,991
Operating costs-$2,030
show breakdown ▾
Management (10% of rent)-$385
CapEx reserve (5% of rent)-$193
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.78%
Cash returnon cash-6.40%
Gross margin$1,676
Cash needed$406,308
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.51
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
$46,248
$24,354
$47,896
$0
$0
-$26,002
-$26,002
Year 2
$47,635
$25,085
$47,896
$0
$0
-$25,345
-$51,347
Year 3
$49,065
$25,837
$47,896
$0
$0
-$24,669
-$76,016
Year 4
$50,536
$26,613
$47,896
$0
$0
-$23,972
-$99,988
Year 5
$52,053
$27,411
$47,896
$0
$0
-$23,254
-$123,242
Year 5 disposal
Disposal gain (gross)-$142,858
CGT$0
Net Disposal proceeds$861,075
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 · 5319.3 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
5.78% Return before costs — around the area average for this property type.
Monthly profit −$2,167/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$800K
vs comparable
Return before costs
5.78%
est rent $3,854/monot enough comparables
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $199,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$2,167
after mortgage, operating costs & tax
Income
Monthly rent+$3,854
After 2wk voids: $3,706/mo
Outgoings
Mortgage-$3,991
Operating costs-$2,030
show breakdown ▾
Management (10% of rent)-$385
CapEx reserve (5% of rent)-$193
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.78%
Cash returnon cash-6.40%
Gross margin$1,676
Cash needed$406,308
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.51
Rent-covers-mortgage check FAIL (need ≥ 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$8,399
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$123,242
Acquisition costs
$406K
25% deposit$199,975
Refurb$185,135
Legal + survey$2,900
Mortgage + broker$12,999
Cash needed$406,308
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