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
−$184/mo
You top up $184/mo
Price
$419K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$256K
Deposit + fees + refurb
Return before costson price9.72%5-yr return on cash -2%Rent est. $3,395 ($2,449–$4,706)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,449–$4,706/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $104,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $97,000–$180,970 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $314,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$184
after mortgage, operating costs & tax
Rent in$3,395/mo
$3,264Collected
$3,264/mo actually reaches you — the other $131 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,091Mortgage$1,488Costs
Outgoings exceed rent — you top up $184/mo
Mortgage$2,091
Costs$1,488
Management$340
Maintenance$67
Insurance$40
CapEx reserve$170
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$184
Returns
Return before costson price9.72%
Cash returnon cash-0.86%
Gross margin$1,776
Cash needed$256,306
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$40,740
$17,858
$25,089
$0
$0
-$2,206
-$2,206
Year 2
$41,962
$18,394
$25,089
$0
$0
-$1,520
-$3,726
Year 3
$43,221
$18,945
$25,089
$0
$0
-$813
-$4,539
Year 4
$44,518
$19,514
$25,089
$0
$0
-$85
-$4,624
Year 5
$45,853
$20,099
$25,089
$0
$126
$539
-$4,085
Year 5 disposal
Disposal gain (gross)-$117,470
CGT$0
Net Disposal proceeds$451,045
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5002.3 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price9.72%5-yr return on cash -2%Rent est. $3,395 ($2,449–$4,706)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,449–$4,706/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $104,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $97,000–$180,970 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $314,250 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$184
after mortgage, operating costs & tax
Rent in$3,395/mo
$3,264Collected
$3,264/mo actually reaches you — the other $131 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,091Mortgage$1,488Costs
Outgoings exceed rent — you top up $184/mo
Mortgage$2,091
Costs$1,488
Management$340
Maintenance$67
Insurance$40
CapEx reserve$170
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$184
Returns
Return before costson price9.72%
Cash returnon cash-0.86%
Gross margin$1,776
Cash needed$256,306
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.81
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$40,740
$17,858
$25,089
$0
$0
-$2,206
-$2,206
Year 2
$41,962
$18,394
$25,089
$0
$0
-$1,520
-$3,726
Year 3
$43,221
$18,945
$25,089
$0
$0
-$813
-$4,539
Year 4
$44,518
$19,514
$25,089
$0
$0
-$85
-$4,624
Year 5
$45,853
$20,099
$25,089
$0
$126
$539
-$4,085
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
$256K
25% deposit$104,750
Refurb$138,985
Legal + survey$2,150
Mortgage + broker$7,285
Cash needed$256,306
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