Monthly profit −$203/mo — significantly negative — real recurring drain
-13.3% 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
$300K
Return before costson price
8.20%
est rent $2,050not enough comparables
Cash needed
$190K
deposit + costs
Monthly profit
−$203
net of mgmt + voids
5y Return on your cash
-3.9%
after tax
IRR
-13.3%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $74,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$203
after mortgage, operating costs & tax
Income
Monthly rent+$2,050
After 2wk voids: $1,971/mo
Outgoings
Mortgage-$1,496
Operating costs-$756
show breakdown ▾
Management (10% of rent)-$205
CapEx reserve (5% of rent)-$103
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.20%
Cash returnon cash-1.28%
Gross margin$1,215
Cash needed$189,732
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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
$24,600
$9,075
$17,957
$0
$0
-$2,432
-$2,432
Year 2
$25,338
$9,347
$17,957
$0
$0
-$1,967
-$4,399
Year 3
$26,098
$9,628
$17,957
$0
$0
-$1,487
-$5,886
Year 4
$26,881
$9,917
$17,957
$0
$0
-$993
-$6,879
Year 5
$27,688
$10,214
$17,957
$0
$0
-$484
-$7,363
Year 5 disposal
Disposal gain (gross)-$89,922
CGT$0
Net Disposal proceeds$322,836
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 Aberdeen · 7273.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
1612 2nd Avenue, Grayland, WA 98547, Aberdeen, WA 98547
manufactured · 3 bed · 2 bath · 1,512 sqft
$299,900
est $2,050 · 8.20% gross
1 / 11
52/100
Caution
8.20% — verify the rent + comps locally.
8.20% Return before costs — above-market
Price
$300K
vs comparable
Return before costs
8.20%
est rent $2,050/monot enough comparables
Bedrooms
3
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $74,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$203
after mortgage, operating costs & tax
Income
Monthly rent+$2,050
After 2wk voids: $1,971/mo
Outgoings
Mortgage-$1,496
Operating costs-$756
show breakdown ▾
Management (10% of rent)-$205
CapEx reserve (5% of rent)-$103
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.20%
Cash returnon cash-1.28%
Gross margin$1,215
Cash needed$189,732
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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$3,149
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$7,363
Acquisition costs
$190K
25% deposit$74,975
Refurb$104,710
Legal + survey$2,150
Mortgage + broker$5,499
Cash needed$189,732
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice