No rent data on file — verify locally before offering.
Why it works
Monthly profit +$3,960/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
+$4K/mo
Pays you every month, net of costs
Price
$5K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$4K
Deposit + fees + refurb
5-yr return on cash 4845%Rent est. $5,100
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,200
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,800 asking ($2,880). Raw model: $42,340–$79,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $3,600 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$3,960
after mortgage, operating costs & tax
Rent in$5,100/mo
$4,904Collected
$4,904/mo actually reaches you — the other $196 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,116Costs$3,960Your profit
$3,960/mo left as profit · 81% of rent kept
Mortgage$24
Costs$1,116
Management$510
Maintenance$67
Insurance$20
CapEx reserve$255
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$3,960
Returns
Return before costson price1275.00%
Cash returnon cash1128.77%
Gross margin$3,788
Cash needed$4,210
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check19.97
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
$61,200
$13,391
$287
$0
$9,029
$38,492
$38,492
Year 2
$63,036
$13,793
$287
$0
$9,302
$39,653
$78,146
Year 3
$64,927
$14,207
$287
$0
$9,615
$40,818
$118,963
Year 4
$66,875
$14,633
$287
$0
$10,018
$41,936
$160,900
Year 5
$68,881
$15,072
$287
$0
$10,433
$43,089
$203,988
Year 5 disposal
Disposal gain (gross)-$4,609
CGT$0
Net Disposal proceeds$5,167
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 cohort3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 4874.1 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$4K/mo
Pays you every month, net of costs
Price
$5K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$4K
Deposit + fees + refurb
5-yr return on cash 4845%Rent est. $5,100
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,200
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $4,800 asking ($2,880). Raw model: $42,340–$79,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $3,600 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$3,960
after mortgage, operating costs & tax
Rent in$5,100/mo
$4,904Collected
$4,904/mo actually reaches you — the other $196 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,116Costs$3,960Your profit
$3,960/mo left as profit · 81% of rent kept
Mortgage$24
Costs$1,116
Management$510
Maintenance$67
Insurance$20
CapEx reserve$255
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$3,960
Returns
Return before costson price1275.00%
Cash returnon cash1128.77%
Gross margin$3,788
Cash needed$4,210
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check19.97
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
$61,200
$13,391
$287
$0
$9,029
$38,492
$38,492
Year 2
$63,036
$13,793
$287
$0
$9,302
$39,653
$78,146
Year 3
$64,927
$14,207
$287
$0
$9,615
$40,818
$118,963
Year 4
$66,875
$14,633
$287
$0
$10,018
$41,936
$160,900
Year 5
$68,881
$15,072
$287
$0
$10,433
$43,089
$203,988
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$1,200
Refurb$2,880
Legal + survey$2,000
Mortgage + broker$1,072
Cash needed$4,210
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