Monthly profit +$3,808/mo from completion — the no.1 reason to invest
16.94% return before costs — above-market
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
$825K
Return before costson price
16.94%
est rent $11,640not enough comparablesRange $5,820–$23,280/mo (Q1–Q3)
Cash needed
$371K
deposit + costs
Monthly profit
+$4K
net of mgmt + voids
5y Return on your cash
56.1%
after tax
IRR
—
cash + capital
Rent Range
$5,820–$23,280
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$23,280/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $206,125
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $97,460–$181,960 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $618,375 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
+$3,808
after mortgage, operating costs & tax
Rent in$11,192/mo
Where it goes
$4,114$3,718$3,808
$3,808/mo left as profit · 34% of rent kept
Mortgage$4,114
Costs$3,718
Management$1,164
Maintenance$67
Insurance$40
CapEx reserve$582
Voids + council tax$12
Tax—
Profit+$3,808
Income
Monthly rent+$11,640
After 2wk voids: $11,192/mo
Outgoings
Mortgage-$4,114
Operating costs-$3,718
show breakdown ▾
Management (10% of rent)-$1,164
CapEx reserve (5% of rent)-$582
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.94%
Cash returnon cash12.33%
Gross margin$7,474
Cash needed$370,692
Monthly profit payback8y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.45
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
$139,680
$44,614
$49,369
$0
$8,682
$37,015
$37,015
Year 2
$143,870
$45,953
$49,369
$0
$9,224
$39,325
$76,340
Year 3
$148,187
$47,331
$49,369
$0
$9,894
$41,592
$117,932
Year 4
$152,632
$48,751
$49,369
$0
$10,696
$43,816
$161,748
Year 5
$157,211
$50,214
$49,369
$0
$11,522
$46,107
$207,855
Year 5 disposal
Disposal gain (gross)-$96,043
CGT$0
Net Disposal proceeds$887,557
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 · 5045.4 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
16.94% Return before costs — above-market
Price
$825K
Return before costs
16.94%
est rent $11,640/monot enough comparablesRange $5,820–$23,280/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,820–$23,280/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $206,125
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $97,460–$181,960 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $618,375 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
+$3,808
after mortgage, operating costs & tax
Rent in$11,192/mo
Where it goes
$4,114$3,718$3,808
$3,808/mo left as profit · 34% of rent kept
Mortgage$4,114
Costs$3,718
Management$1,164
Maintenance$67
Insurance$40
CapEx reserve$582
Voids + council tax$12
Tax—
Profit+$3,808
Income
Monthly rent+$11,640
After 2wk voids: $11,192/mo
Outgoings
Mortgage-$4,114
Operating costs-$3,718
show breakdown ▾
Management (10% of rent)-$1,164
CapEx reserve (5% of rent)-$582
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price16.94%
Cash returnon cash12.33%
Gross margin$7,474
Cash needed$370,692
Monthly profit payback8y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.45
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
$139,680
$44,614
$49,369
$0
$8,682
$37,015
$37,015
Year 2
$143,870
$45,953
$49,369
$0
$9,224
$39,325
$76,340
Year 3
$148,187
$47,331
$49,369
$0
$9,894
$41,592
$117,932
Year 4
$152,632
$48,751
$49,369
$0
$10,696
$43,816
$161,748
Year 5
$157,211
$50,214
$49,369
$0
$11,522
$46,107
$207,855
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
$371K
25% deposit$206,125
Refurb$139,710
Legal + survey$2,900
Mortgage + broker$13,368
Cash needed$370,692
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