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
−$6K/mo
You top up $6K/mo
Price
$2.00M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$884K
Deposit + fees + refurb
Return before costson price5.40%5-yr return on cash -40%Rent est. $9,000 ($6,062–$12,572)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,062–$12,572/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $500,025
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $222,045–$412,925 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,500,075 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$6,160
after mortgage, operating costs & tax
Rent in$9,000/mo
$8,654Collected
$8,654/mo actually reaches you — the other $346 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$9,980Mortgage$5,180Costs
Outgoings exceed rent — you top up $6,160/mo
Mortgage$9,980
Costs$5,180
Management$900
Maintenance$67
Insurance$40
CapEx reserve$450
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$6,160
Returns
Return before costson price5.40%
Cash returnon cash-8.37%
Gross margin$3,474
Cash needed$883,513
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.47
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
$108,000
$62,156
$119,760
$0
$0
-$73,916
-$73,916
Year 2
$111,240
$64,020
$119,760
$0
$0
-$72,541
-$146,457
Year 3
$114,577
$65,941
$119,760
$0
$0
-$71,124
-$217,582
Year 4
$118,015
$67,919
$119,760
$0
$0
-$69,665
-$287,247
Year 5
$121,555
$69,957
$119,760
$0
$0
-$68,162
-$355,409
Year 5 disposal
Disposal gain (gross)-$208,222
CGT$0
Net Disposal proceeds$2,153,065
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 · 5103.9 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
305 South Gate Lane, Fairfield, CT 06890, Southport, CT 06890
single_family · 4 bed · 5 bath · 5,283 sqft
$2,000,100
est $9,000 · 5.40% gross
1 / 40
14/100
Marginal
5.40% — verify the rent + comps locally.
5.40% Return before costs — around the area average for this property type.
Monthly profit −$6,160/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$6K/mo
You top up $6K/mo
Price
$2.00M
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$884K
Deposit + fees + refurb
Return before costson price5.40%5-yr return on cash -40%Rent est. $9,000 ($6,062–$12,572)
Bedrooms
4
5 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $6,062–$12,572/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $500,025
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $222,045–$412,925 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $2,400 legal + $1,300 survey
Mortgage fees ($)
2% product fee on $1,500,075 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$6,160
after mortgage, operating costs & tax
Rent in$9,000/mo
$8,654Collected
$8,654/mo actually reaches you — the other $346 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$9,980Mortgage$5,180Costs
Outgoings exceed rent — you top up $6,160/mo
Mortgage$9,980
Costs$5,180
Management$900
Maintenance$67
Insurance$40
CapEx reserve$450
Voids + council tax$15
Ltd co. accounts$104
Tax—
Shortfall−$6,160
Returns
Return before costson price5.40%
Cash returnon cash-8.37%
Gross margin$3,474
Cash needed$883,513
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.47
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
$108,000
$62,156
$119,760
$0
$0
-$73,916
-$73,916
Year 2
$111,240
$64,020
$119,760
$0
$0
-$72,541
-$146,457
Year 3
$114,577
$65,941
$119,760
$0
$0
-$71,124
-$217,582
Year 4
$118,015
$67,919
$119,760
$0
$0
-$69,665
-$287,247
Year 5
$121,555
$69,957
$119,760
$0
$0
-$68,162
-$355,409
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
Transport detail not loaded for this property.
Acquisition costs
$884K
25% deposit$500,025
Refurb$317,485
Legal + survey$3,700
Mortgage + broker$31,002
Cash needed$883,513
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