-11.2% 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
$680K
Return before costson price
6.94%
est rent $3,931not enough comparablesRange $2,316–$2,539/mo (Q1–Q3)
Cash needed
$326K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-16.3%
after tax
IRR
-11.2%
cash + capital
Rent Range
$2,316–$2,539
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,316–$2,539/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $170,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,033
after mortgage, operating costs & tax
Income
Monthly rent+$3,931
After 2wk voids: $3,780/mo
Outgoings
Mortgage-$3,393
Operating costs-$1,571
show breakdown ▾
Management (10% of rent)-$393
CapEx reserve (5% of rent)-$197
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.94%
Cash returnon cash-3.80%
Gross margin$2,209
Cash needed$326,386
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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
$47,172
$18,850
$40,716
$0
$0
-$12,395
-$12,395
Year 2
$48,587
$19,416
$40,716
$0
$0
-$11,545
-$23,939
Year 3
$50,045
$19,998
$40,716
$0
$0
-$10,670
-$34,609
Year 4
$51,546
$20,598
$40,716
$0
$0
-$9,768
-$44,378
Year 5
$53,093
$21,216
$40,716
$0
$0
-$8,840
-$53,217
Year 5 disposal
Disposal gain (gross)-$102,480
CGT$0
Net Disposal proceeds$732,004
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 · 4873.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
6.94% Return before costs — around the area average for this property type.
Monthly profit −$1,033/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$680K
vs comparable
Return before costs
6.94%
est rent $3,931/monot enough comparablesRange $2,316–$2,539/mo (Q1–Q3)
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,316–$2,539/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $170,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,033
after mortgage, operating costs & tax
Income
Monthly rent+$3,931
After 2wk voids: $3,780/mo
Outgoings
Mortgage-$3,393
Operating costs-$1,571
show breakdown ▾
Management (10% of rent)-$393
CapEx reserve (5% of rent)-$197
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.94%
Cash returnon cash-3.80%
Gross margin$2,209
Cash needed$326,386
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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$7,140
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$53,217
Acquisition costs
$326K
25% deposit$170,000
Refurb$137,985
Legal + survey$2,900
Mortgage + broker$11,200
Cash needed$326,386
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