Monthly profit +$801/mo from completion — the no.1 reason to invest
24.05% 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 →
Monthly cashflow
+$801/mo
Pays you every month, net of costs
Price
$101K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$88K
Deposit + fees + refurb
Return before costson price24.05%5-yr return on cash 49%Rent est. $2,024 ($1,600–$2,282)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,282/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $25,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $101,000 asking ($60,600). Raw model: $54,340–$101,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $75,750 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
+$801
after mortgage, operating costs & tax
Rent in$2,024/mo
$1,946Collected
$1,946/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$504Mortgage$719Costs$801Your profit
$801/mo left as profit · 41% of rent kept
Mortgage$504
Costs$719
Management$202
Maintenance$67
Insurance$20
CapEx reserve$101
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$801
Returns
Return before costson price24.05%
Cash returnon cash10.89%
Gross margin$1,227
Cash needed$88,224
Monthly profit payback9y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.68
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
$24,288
$8,630
$6,048
$0
$1,826
$7,785
$7,785
Year 2
$25,017
$8,888
$6,048
$0
$1,915
$8,166
$15,950
Year 3
$25,767
$9,155
$6,048
$0
$2,007
$8,557
$24,508
Year 4
$26,540
$9,430
$6,048
$0
$2,102
$8,961
$33,469
Year 5
$27,336
$9,713
$6,048
$0
$2,199
$9,377
$42,846
Year 5 disposal
Disposal gain (gross)-$56,596
CGT$0
Net Disposal proceeds$108,724
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 · 5918.4 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
24.05% Return before costs — above-market
Monthly cashflow
+$801/mo
Pays you every month, net of costs
Price
$101K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$88K
Deposit + fees + refurb
Return before costson price24.05%5-yr return on cash 49%Rent est. $2,024 ($1,600–$2,282)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,282/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $25,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $101,000 asking ($60,600). Raw model: $54,340–$101,880. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $75,750 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
+$801
after mortgage, operating costs & tax
Rent in$2,024/mo
$1,946Collected
$1,946/mo actually reaches you — the other $78 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$504Mortgage$719Costs$801Your profit
$801/mo left as profit · 41% of rent kept
Mortgage$504
Costs$719
Management$202
Maintenance$67
Insurance$20
CapEx reserve$101
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$801
Returns
Return before costson price24.05%
Cash returnon cash10.89%
Gross margin$1,227
Cash needed$88,224
Monthly profit payback9y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.68
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
$24,288
$8,630
$6,048
$0
$1,826
$7,785
$7,785
Year 2
$25,017
$8,888
$6,048
$0
$1,915
$8,166
$15,950
Year 3
$25,767
$9,155
$6,048
$0
$2,007
$8,557
$24,508
Year 4
$26,540
$9,430
$6,048
$0
$2,102
$8,961
$33,469
Year 5
$27,336
$9,713
$6,048
$0
$2,199
$9,377
$42,846
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$88K
25% deposit$25,250
Refurb$60,600
Legal + survey$1,700
Mortgage + broker$2,515
Cash needed$88,224
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