Monthly profit +$1,307/mo from completion — the no.1 reason to invest
15.79% 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
+$1K/mo
Pays you every month, net of costs
Price
$311K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$273K
Deposit + fees + refurb
Return before costson price15.79%5-yr return on cash 26%Rent est. $4,091
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $77,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $311,000 asking ($186,600). Raw model: $146,915–$273,805. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $233,250 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
+$1,307
after mortgage, operating costs & tax
Rent in$4,091/mo
$3,934Collected
$3,934/mo actually reaches you — the other $157 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,552Mortgage$1,232Costs$1,307Your profit
$1,307/mo left as profit · 33% of rent kept
Mortgage$1,552
Costs$1,232
Management$409
Maintenance$67
Insurance$28
CapEx reserve$205
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$1,307
Returns
Return before costson price15.79%
Cash returnon cash5.75%
Gross margin$2,702
Cash needed$272,766
Monthly profit payback17y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.42
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
$49,092
$14,784
$18,622
$0
$2,980
$12,706
$12,706
Year 2
$50,565
$15,227
$18,622
$0
$3,176
$13,540
$26,246
Year 3
$52,082
$15,684
$18,622
$0
$3,377
$14,399
$40,644
Year 4
$53,644
$16,155
$18,622
$0
$3,585
$15,283
$55,927
Year 5
$55,253
$16,639
$18,622
$0
$3,799
$16,193
$72,120
Year 5 disposal
Disposal gain (gross)-$171,185
CGT$0
Net Disposal proceeds$334,785
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 cohort7 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 4943.9 km
Reason
7-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price15.79%5-yr return on cash 26%Rent est. $4,091
Bedrooms
7
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $77,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $311,000 asking ($186,600). Raw model: $146,915–$273,805. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $233,250 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
+$1,307
after mortgage, operating costs & tax
Rent in$4,091/mo
$3,934Collected
$3,934/mo actually reaches you — the other $157 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,552Mortgage$1,232Costs$1,307Your profit
$1,307/mo left as profit · 33% of rent kept
Mortgage$1,552
Costs$1,232
Management$409
Maintenance$67
Insurance$28
CapEx reserve$205
Voids + council tax$7
Ltd co. accounts$104
Tax—
Profit+$1,307
Returns
Return before costson price15.79%
Cash returnon cash5.75%
Gross margin$2,702
Cash needed$272,766
Monthly profit payback17y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check1.42
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
$49,092
$14,784
$18,622
$0
$2,980
$12,706
$12,706
Year 2
$50,565
$15,227
$18,622
$0
$3,176
$13,540
$26,246
Year 3
$52,082
$15,684
$18,622
$0
$3,377
$14,399
$40,644
Year 4
$53,644
$16,155
$18,622
$0
$3,585
$15,283
$55,927
Year 5
$55,253
$16,639
$18,622
$0
$3,799
$16,193
$72,120
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
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
$273K
25% deposit$77,750
Refurb$186,600
Legal + survey$2,150
Mortgage + broker$5,665
Cash needed$272,766
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