Monthly profit +$427/mo from completion — the no.1 reason to invest
11.85% return before costs — above-market
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
+$427/mo
Pays you every month, net of costs
Price
$285K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$165K
Deposit + fees + refurb
Return before costson price11.85%5-yr return on cash 16%Rent est. $2,814
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $71,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $59,700–$111,970 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $213,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$427
after mortgage, operating costs & tax
Rent in$2,814/mo
$2,706Collected
$2,706/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,422Mortgage$965Costs
$427/mo left as profit · 16% of rent kept
Mortgage$1,422
Costs$965
Management$281
Maintenance$67
Insurance$28
CapEx reserve$141
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$427
Returns
Return before costson price11.85%
Cash returnon cash3.11%
Gross margin$1,740
Cash needed$164,798
Monthly profit payback32y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.06
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
$33,768
$11,584
$17,065
$0
$973
$4,146
$4,146
Year 2
$34,781
$11,931
$17,065
$0
$1,099
$4,686
$8,832
Year 3
$35,824
$12,289
$17,065
$0
$1,229
$5,241
$14,073
Year 4
$36,899
$12,658
$17,065
$0
$1,363
$5,813
$19,886
Year 5
$38,006
$13,038
$17,065
$0
$1,502
$6,401
$26,287
Year 5 disposal
Disposal gain (gross)-$71,889
CGT$0
Net Disposal proceeds$306,796
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 · 4942 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price11.85%5-yr return on cash 16%Rent est. $2,814
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $71,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $59,700–$111,970 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $213,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
+$427
after mortgage, operating costs & tax
Rent in$2,814/mo
$2,706Collected
$2,706/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,422Mortgage$965Costs
$427/mo left as profit · 16% of rent kept
Mortgage$1,422
Costs$965
Management$281
Maintenance$67
Insurance$28
CapEx reserve$141
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$427
Returns
Return before costson price11.85%
Cash returnon cash3.11%
Gross margin$1,740
Cash needed$164,798
Monthly profit payback32y 3m
Data confidence
Lender stress test
Rent-covers-mortgage check1.06
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
$33,768
$11,584
$17,065
$0
$973
$4,146
$4,146
Year 2
$34,781
$11,931
$17,065
$0
$1,099
$4,686
$8,832
Year 3
$35,824
$12,289
$17,065
$0
$1,229
$5,241
$14,073
Year 4
$36,899
$12,658
$17,065
$0
$1,363
$5,813
$19,886
Year 5
$38,006
$13,038
$17,065
$0
$1,502
$6,401
$26,287
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
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Acquisition costs
$165K
25% deposit$71,250
Refurb$85,835
Legal + survey$2,150
Mortgage + broker$5,275
Cash needed$164,798
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