No rent data on file — verify locally before offering.
Why it works
Monthly profit +$3,045/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
+$3K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 4987%Rent est. $3,964
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $899
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,595 asking ($2,157). Raw model: $93,540–$174,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,696.25 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$3,045
after mortgage, operating costs & tax
Rent in$3,964/mo
$3,812Collected
$3,812/mo actually reaches you — the other $152 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$901Costs$3,045Your profit
$3,045/mo left as profit · 80% of rent kept
Mortgage$18
Costs$901
Management$396
Maintenance$67
Insurance$20
CapEx reserve$198
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$3,045
Returns
Return before costson price1323.17%
Cash returnon cash1159.18%
Gross margin$2,911
Cash needed$3,153
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check16.18
Rent-covers-mortgage check PASS (target 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
$47,568
$10,808
$215
$0
$6,944
$29,601
$29,601
Year 2
$48,995
$11,132
$215
$0
$7,153
$30,495
$60,096
Year 3
$50,465
$11,466
$215
$0
$7,369
$31,415
$91,510
Year 4
$51,979
$11,810
$215
$0
$7,591
$32,363
$123,873
Year 5
$53,538
$12,164
$215
$0
$7,820
$33,339
$157,211
Year 5 disposal
Disposal gain (gross)-$3,654
CGT$0
Net Disposal proceeds$3,870
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
4-bed · 2-bath · 2100 sqft
$48k–$93k
$ per sqft
building cost only
$23–$44
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
2 × bathroom · Full strip + retile$6,650–$13,300
Paint + decor$14,700–$27,300
Flooring · Carpet on bedrooms + LVT/laminate downstairs$23,100–$44,100
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history10d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$3,045/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
1323.17%
+$3,045
$3,153
4986.7%
Low
Feasible
Refurb & refinance
1323.17%
+$3,045
$3,872
4060.6%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$154
$6,487
-72%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$3,153cash needed
Purchase price$3,595
Deposit (25%)$899
Refurb$2,157
Legal + survey$1,700
Mortgage fees$1,054
Total cash neededdeposit + costs (loan covers the rest)$3,153
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: MA
Effective rate0.46%
Total at sale$16
Flat 0.46% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$3K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$3K
Deposit + fees + refurb
5-yr return on cash 4987%Rent est. $3,964
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $899
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $3,595 asking ($2,157). Raw model: $93,540–$174,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $2,696.25 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$3,045
after mortgage, operating costs & tax
Rent in$3,964/mo
$3,812Collected
$3,812/mo actually reaches you — the other $152 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$901Costs$3,045Your profit
$3,045/mo left as profit · 80% of rent kept
Mortgage$18
Costs$901
Management$396
Maintenance$67
Insurance$20
CapEx reserve$198
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$3,045
Returns
Return before costson price1323.17%
Cash returnon cash1159.18%
Gross margin$2,911
Cash needed$3,153
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check16.18
Rent-covers-mortgage check PASS (target 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
$47,568
$10,808
$215
$0
$6,944
$29,601
$29,601
Year 2
$48,995
$11,132
$215
$0
$7,153
$30,495
$60,096
Year 3
$50,465
$11,466
$215
$0
$7,369
$31,415
$91,510
Year 4
$51,979
$11,810
$215
$0
$7,591
$32,363
$123,873
Year 5
$53,538
$12,164
$215
$0
$7,820
$33,339
$157,211
What we verified
3 total
2001
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Acquisition costs
$3K
25% deposit$899
Refurb$2,157
Legal + survey$1,700
Mortgage + broker$1,054
Cash needed$3,153
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