-8.5% 5y IRR — capital outlay disproportionate to returns
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
$575K
Return before costson price
9.82%
est rent $4,704not enough comparablesRange $1,884–$2,759/mo (Q1–Q3)
Cash needed
$304K
deposit + costs
Monthly profit
−$7
net of mgmt + voids
5y Return on your cash
2.7%
after tax
IRR
-8.5%
cash + capital
Rent Range
$1,884–$2,759
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,884–$2,759/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $143,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$7
after mortgage, operating costs & tax
Income
Monthly rent+$4,704
After 2wk voids: $4,523/mo
Outgoings
Mortgage-$2,869
Operating costs-$1,842
show breakdown ▾
Management (10% of rent)-$470
CapEx reserve (5% of rent)-$235
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.82%
Cash returnon cash-0.03%
Gross margin$2,682
Cash needed$304,173
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$56,448
$22,098
$34,429
$0
$0
-$80
-$80
Year 2
$58,141
$22,761
$34,429
$0
$181
$770
$690
Year 3
$59,886
$23,444
$34,429
$0
$382
$1,630
$2,320
Year 4
$61,682
$24,147
$34,429
$0
$590
$2,515
$4,836
Year 5
$63,533
$24,872
$34,429
$0
$804
$3,428
$8,263
Year 5 disposal
Disposal gain (gross)-$117,910
CGT$0
Net Disposal proceeds$618,975
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 7373.1 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
est rent $4,704/monot enough comparablesRange $1,884–$2,759/mo (Q1–Q3)
Bedrooms
2
3 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,884–$2,759/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $143,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$7
after mortgage, operating costs & tax
Income
Monthly rent+$4,704
After 2wk voids: $4,523/mo
Outgoings
Mortgage-$2,869
Operating costs-$1,842
show breakdown ▾
Management (10% of rent)-$470
CapEx reserve (5% of rent)-$235
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.82%
Cash returnon cash-0.03%
Gross margin$2,682
Cash needed$304,173
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$6,038
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$8,263
Acquisition costs
$304K
25% deposit$143,750
Refurb$147,485
Legal + survey$2,900
Mortgage + broker$9,625
Cash needed$304,173
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice