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
−$18K/mo
You top up $18K/mo
Price
$4.50M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.47M
Deposit + fees + refurb
Return before costson price2.45%5-yr return on cash -72%Rent est. $9,190 ($7,811–$10,812)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $7,811–$10,812/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $1,123,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $171,050–$318,220 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,371,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$17,930
after mortgage, operating costs & tax
Rent in$9,190/mo
$8,837Collected
$8,837/mo actually reaches you — the other $353 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$22,429Mortgage$4,691Costs
Outgoings exceed rent — you top up $17,930/mo
Mortgage$22,429
Costs$4,691
Management$919
Maintenance$67
Insurance$40
CapEx reserve$460
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$17,930
Returns
Return before costson price2.45%
Cash returnon cash-14.59%
Gross margin$4,145
Cash needed$1,474,468
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.25
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
$110,280
$56,296
$269,148
$0
$0
-$215,164
-$215,164
Year 2
$113,588
$57,985
$269,148
$0
$0
-$213,545
-$428,709
Year 3
$116,996
$59,725
$269,148
$0
$0
-$211,877
-$640,585
Year 4
$120,506
$61,516
$269,148
$0
$0
-$210,158
-$850,744
Year 5
$124,121
$63,362
$269,148
$0
$0
-$208,389
-$1,059,133
Year 5 disposal
Disposal gain (gross)$5,537
CGT$1,052
Net Disposal proceeds$4,837,720
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 cohort6 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 8282.6 km
Reason
6-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
2.45% Return before costs — around the area average for this property type.
Monthly profit −$17,930/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$18K/mo
You top up $18K/mo
Price
$4.50M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$1.47M
Deposit + fees + refurb
Return before costson price2.45%5-yr return on cash -72%Rent est. $9,190 ($7,811–$10,812)
Bedrooms
6
5 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $7,811–$10,812/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $1,123,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $171,050–$318,220 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $3,371,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$17,930
after mortgage, operating costs & tax
Rent in$9,190/mo
$8,837Collected
$8,837/mo actually reaches you — the other $353 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$22,429Mortgage$4,691Costs
Outgoings exceed rent — you top up $17,930/mo
Mortgage$22,429
Costs$4,691
Management$919
Maintenance$67
Insurance$40
CapEx reserve$460
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$17,930
Returns
Return before costson price2.45%
Cash returnon cash-14.59%
Gross margin$4,145
Cash needed$1,474,468
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.25
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
$110,280
$56,296
$269,148
$0
$0
-$215,164
-$215,164
Year 2
$113,588
$57,985
$269,148
$0
$0
-$213,545
-$428,709
Year 3
$116,996
$59,725
$269,148
$0
$0
-$211,877
-$640,585
Year 4
$120,506
$61,516
$269,148
$0
$0
-$210,158
-$850,744
Year 5
$124,121
$63,362
$269,148
$0
$0
-$208,389
-$1,059,133
What we verified
3 total
3000
Building condition1▾
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$1.5M
25% deposit$1,123,750
Refurb$244,635
Legal + survey$3,700
Mortgage + broker$68,425
Cash needed$1,474,468
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