-14.8% 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
$900K
Return before costson price
7.04%
est rent $5,277not enough comparablesRange $2,597–$3,596/mo (Q1–Q3)
Cash needed
$554K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-11.5%
after tax
IRR
-14.8%
cash + capital
Rent Range
$2,597–$3,596
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,597–$3,596/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $225,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,258
after mortgage, operating costs & tax
Income
Monthly rent+$5,277
After 2wk voids: $5,074/mo
Outgoings
Mortgage-$4,491
Operating costs-$2,045
show breakdown ▾
Management (10% of rent)-$528
CapEx reserve (5% of rent)-$264
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.04%
Cash returnon cash-2.73%
Gross margin$3,030
Cash needed$553,664
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.67
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
$63,324
$24,534
$53,889
$0
$0
-$15,100
-$15,100
Year 2
$65,224
$25,270
$53,889
$0
$0
-$13,936
-$29,036
Year 3
$67,180
$26,028
$53,889
$0
$0
-$12,737
-$41,773
Year 4
$69,196
$26,809
$53,889
$0
$0
-$11,503
-$53,276
Year 5
$71,272
$27,613
$53,889
$0
$0
-$10,231
-$63,507
Year 5 disposal
Disposal gain (gross)-$256,379
CGT$0
Net Disposal proceeds$968,831
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 · 4910.8 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $5,277/monot enough comparablesRange $2,597–$3,596/mo (Q1–Q3)
Bedrooms
5
4 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,597–$3,596/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $225,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,258
after mortgage, operating costs & tax
Income
Monthly rent+$5,277
After 2wk voids: $5,074/mo
Outgoings
Mortgage-$4,491
Operating costs-$2,045
show breakdown ▾
Management (10% of rent)-$528
CapEx reserve (5% of rent)-$264
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price7.04%
Cash returnon cash-2.73%
Gross margin$3,030
Cash needed$553,664
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.67
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$9,450
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$63,507
Acquisition costs
$554K
25% deposit$225,000
Refurb$304,310
Legal + survey$2,900
Mortgage + broker$14,500
Cash needed$553,664
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