No rent data on file — verify locally before offering.
Why it works
Monthly profit +$789/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
+$789/mo
Pays you every month, net of costs
Price
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 2323%Rent est. $1,172
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,000 asking ($1,200). Raw model: $33,240–$62,830. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,500 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$789
after mortgage, operating costs & tax
Rent in$1,172/mo
$1,127Collected
$1,127/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$373Costs$789Your profit
$789/mo left as profit · 70% of rent kept
Mortgage$10
Costs$373
Management$117
Maintenance$67
Insurance$20
CapEx reserve$59
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$789
Returns
Return before costson price703.20%
Cash returnon cash539.89%
Gross margin$754
Cash needed$1,754
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check5.06
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
$14,064
$4,475
$120
$0
$1,799
$7,671
$7,671
Year 2
$14,486
$4,609
$120
$0
$1,854
$7,903
$15,574
Year 3
$14,920
$4,747
$120
$0
$1,910
$8,144
$23,718
Year 4
$15,368
$4,889
$120
$0
$1,968
$8,391
$32,109
Year 5
$15,829
$5,036
$120
$0
$2,028
$8,645
$40,754
Year 5 disposal
Disposal gain (gross)-$3,087
CGT$0
Net Disposal proceeds$2,153
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
1-bed · 1-bath · 630 sqft
$19k–$37k
$ per sqft
building cost only
$29–$58
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
1 × bathroom · Full strip + retile$3,325–$6,650
Paint + decor$4,410–$8,190
Flooring · Carpet on bedrooms + LVT/laminate downstairs$6,930–$13,230
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Price & sale history31d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$789/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
703.20%
+$789
$1,754
2323.5%
Low
Feasible
Refurb & refinance
703.20%
+$789
$2,154
1892.0%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$152
$3,609
-141%
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
$1,754cash needed
Purchase price$2,000
Deposit (25%)$500
Refurb$1,200
Legal + survey$2,000
Mortgage fees$1,030
Total cash neededdeposit + costs (loan covers the rest)$1,754
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$9
Flat 0.46% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$789/mo
Pays you every month, net of costs
Price
$2K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$2K
Deposit + fees + refurb
5-yr return on cash 2323%Rent est. $1,172
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,000 asking ($1,200). Raw model: $33,240–$62,830. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,500 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$789
after mortgage, operating costs & tax
Rent in$1,172/mo
$1,127Collected
$1,127/mo actually reaches you — the other $45 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$373Costs$789Your profit
$789/mo left as profit · 70% of rent kept
Mortgage$10
Costs$373
Management$117
Maintenance$67
Insurance$20
CapEx reserve$59
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$789
Returns
Return before costson price703.20%
Cash returnon cash539.89%
Gross margin$754
Cash needed$1,754
Monthly profit payback3m
Data confidence
Lender stress test
Rent-covers-mortgage check5.06
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
$14,064
$4,475
$120
$0
$1,799
$7,671
$7,671
Year 2
$14,486
$4,609
$120
$0
$1,854
$7,903
$15,574
Year 3
$14,920
$4,747
$120
$0
$1,910
$8,144
$23,718
Year 4
$15,368
$4,889
$120
$0
$1,968
$8,391
$32,109
Year 5
$15,829
$5,036
$120
$0
$2,028
$8,645
$40,754
What we verified
3 total
1101
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Acquisition costs
$2K
25% deposit$500
Refurb$1,200
Legal + survey$2,000
Mortgage + broker$1,030
Cash needed$1,754
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