Monthly profit −$436/mo — significantly negative — real recurring drain
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
−$436/mo
You top up $436/mo
Price
$289K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$122K
Deposit + fees + refurb
Return before costson price7.40%5-yr return on cash -18%Rent est. $1,781 ($1,898–$2,264)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,898–$2,264/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $72,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $28,690–$54,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $216,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$436
after mortgage, operating costs & tax
Rent in$1,781/mo
$1,713Collected
$1,713/mo actually reaches you — the other $69 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,442Mortgage$775Costs
Outgoings exceed rent — you top up $436/mo
Mortgage$1,442
Costs$775
Management$178
Maintenance$67
Insurance$28
CapEx reserve$89
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$436
Returns
Return before costson price7.40%
Cash returnon cash-4.30%
Gross margin$938
Cash needed$121,606
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.66
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$21,372
$9,296
$17,304
$0
$0
-$5,228
-$5,228
Year 2
$22,013
$9,575
$17,304
$0
$0
-$4,866
-$10,094
Year 3
$22,674
$9,862
$17,304
$0
$0
-$4,493
-$14,587
Year 4
$23,354
$10,158
$17,304
$0
$0
-$4,108
-$18,696
Year 5
$24,054
$10,463
$17,304
$0
$0
-$3,713
-$22,408
Year 5 disposal
Disposal gain (gross)-$27,363
CGT$0
Net Disposal proceeds$311,102
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileMixed demand
Tenant profilelikely cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4837.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price7.40%5-yr return on cash -18%Rent est. $1,781 ($1,898–$2,264)
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,898–$2,264/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $72,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $28,690–$54,380 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $216,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$436
after mortgage, operating costs & tax
Rent in$1,781/mo
$1,713Collected
$1,713/mo actually reaches you — the other $69 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,442Mortgage$775Costs
Outgoings exceed rent — you top up $436/mo
Mortgage$1,442
Costs$775
Management$178
Maintenance$67
Insurance$28
CapEx reserve$89
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$436
Returns
Return before costson price7.40%
Cash returnon cash-4.30%
Gross margin$938
Cash needed$121,606
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.66
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$21,372
$9,296
$17,304
$0
$0
-$5,228
-$5,228
Year 2
$22,013
$9,575
$17,304
$0
$0
-$4,866
-$10,094
Year 3
$22,674
$9,862
$17,304
$0
$0
-$4,493
-$14,587
Year 4
$23,354
$10,158
$17,304
$0
$0
-$4,108
-$18,696
Year 5
$24,054
$10,463
$17,304
$0
$0
-$3,713
-$22,408
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$122K
25% deposit$72,250
Refurb$41,535
Legal + survey$2,150
Mortgage + broker$5,335
Cash needed$121,606
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice