No rent data on file — verify locally before offering.
Why it works
Monthly profit +$3,648/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 →
Price
$4K
Return before costson price
—
est rent $4,709not enough comparables
Cash needed
$4K
deposit + costs
Monthly profit
+$4K
net of mgmt + voids
5y Return on your cash
5367.5%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,000 asking ($2,400). Raw model: $72,540–$135,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,000 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
+$3,648
after mortgage, operating costs & tax
Rent in$4,528/mo
Where it goes
$1,041$3,648
$3,648/mo left as profit · 81% of rent kept
Mortgage$20
Costs$1,041
Management$471
Maintenance$67
Insurance$20
CapEx reserve$235
Voids + council tax$5
Tax—
Profit+$3,648
Income
Monthly rent+$4,709
After 2wk voids: $4,528/mo
Outgoings
Mortgage-$20
Operating costs-$1,041
show breakdown ▾
Management (10% of rent)-$471
CapEx reserve (5% of rent)-$235
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1412.70%
Cash returnon cash1247.75%
Gross margin$3,486
Cash needed$3,508
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check18.95
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
$56,508
$12,498
$240
$0
$8,316
$35,455
$35,455
Year 2
$58,203
$12,872
$240
$0
$8,567
$36,524
$71,979
Year 3
$59,949
$13,259
$240
$0
$8,826
$37,625
$109,604
Year 4
$61,748
$13,656
$240
$0
$9,092
$38,760
$148,364
Year 5
$63,600
$14,066
$240
$0
$9,366
$39,929
$188,293
Year 5 disposal
Disposal gain (gross)-$3,874
CGT$0
Net Disposal proceeds$4,306
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4876.6 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$4K
Return before costs
—
est rent $4,709/monot enough comparables
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,000 asking ($2,400). Raw model: $72,540–$135,680. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $3,000 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
+$3,648
after mortgage, operating costs & tax
Rent in$4,528/mo
Where it goes
$1,041$3,648
$3,648/mo left as profit · 81% of rent kept
Mortgage$20
Costs$1,041
Management$471
Maintenance$67
Insurance$20
CapEx reserve$235
Voids + council tax$5
Tax—
Profit+$3,648
Income
Monthly rent+$4,709
After 2wk voids: $4,528/mo
Outgoings
Mortgage-$20
Operating costs-$1,041
show breakdown ▾
Management (10% of rent)-$471
CapEx reserve (5% of rent)-$235
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1412.70%
Cash returnon cash1247.75%
Gross margin$3,486
Cash needed$3,508
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check18.95
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
$56,508
$12,498
$240
$0
$8,316
$35,455
$35,455
Year 2
$58,203
$12,872
$240
$0
$8,567
$36,524
$71,979
Year 3
$59,949
$13,259
$240
$0
$8,826
$37,625
$109,604
Year 4
$61,748
$13,656
$240
$0
$9,092
$38,760
$148,364
Year 5
$63,600
$14,066
$240
$0
$9,366
$39,929
$188,293
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
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PropertySchoolsUniversitiesStations
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Acquisition costs
$4K
25% deposit$1,000
Refurb$2,400
Legal + survey$1,700
Mortgage + broker$1,060
Cash needed$3,508
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