No rent data on file — verify locally before offering.
Why it works
Monthly profit +$4,863/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
+$5K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$4K
Deposit + fees + refurb
5-yr return on cash 6855%Rent est. $6,207
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,025
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,100 asking ($2,460). Raw model: $89,410–$167,010. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,075 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
+$4,863
after mortgage, operating costs & tax
Rent in$6,207/mo
$5,968Collected
$5,968/mo actually reaches you — the other $239 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,324Costs$4,863Your profit
$4,863/mo left as profit · 81% of rent kept
Mortgage$20
Costs$1,324
Management$621
Maintenance$67
Insurance$20
CapEx reserve$310
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$4,863
Returns
Return before costson price1816.68%
Cash returnon cash1622.58%
Gross margin$4,644
Cash needed$3,596
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check24.89
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
$74,484
$15,887
$246
$0
$11,713
$46,639
$46,639
Year 2
$76,719
$16,363
$246
$0
$12,179
$47,931
$94,570
Year 3
$79,020
$16,854
$246
$0
$12,659
$49,262
$143,831
Year 4
$81,391
$17,360
$246
$0
$13,153
$50,632
$194,464
Year 5
$83,832
$17,880
$246
$0
$13,662
$52,044
$246,508
Year 5 disposal
Disposal gain (gross)-$3,928
CGT$0
Net Disposal proceeds$4,414
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 · 4839.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$5K/mo
Pays you every month, net of costs
Price
$4K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$4K
Deposit + fees + refurb
5-yr return on cash 6855%Rent est. $6,207
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,025
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,100 asking ($2,460). Raw model: $89,410–$167,010. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,075 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
+$4,863
after mortgage, operating costs & tax
Rent in$6,207/mo
$5,968Collected
$5,968/mo actually reaches you — the other $239 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,324Costs$4,863Your profit
$4,863/mo left as profit · 81% of rent kept
Mortgage$20
Costs$1,324
Management$621
Maintenance$67
Insurance$20
CapEx reserve$310
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$4,863
Returns
Return before costson price1816.68%
Cash returnon cash1622.58%
Gross margin$4,644
Cash needed$3,596
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check24.89
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
$74,484
$15,887
$246
$0
$11,713
$46,639
$46,639
Year 2
$76,719
$16,363
$246
$0
$12,179
$47,931
$94,570
Year 3
$79,020
$16,854
$246
$0
$12,659
$49,262
$143,831
Year 4
$81,391
$17,360
$246
$0
$13,153
$50,632
$194,464
Year 5
$83,832
$17,880
$246
$0
$13,662
$52,044
$246,508
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$4K
25% deposit$1,025
Refurb$2,460
Legal + survey$1,700
Mortgage + broker$1,062
Cash needed$3,596
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