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
−$29/mo
You top up $29/mo
Price
$385K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$187K
Deposit + fees + refurb
Return before costson price9.68%5-yr return on cash 2%Rent est. $3,104 ($2,737–$3,520)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,737–$3,520/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · $96,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $54,690–$102,530 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $288,675 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
-$29
after mortgage, operating costs & tax
Rent in$3,104/mo
$2,985Collected
$2,985/mo actually reaches you — the other $119 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,921Mortgage$1,213Costs
Outgoings exceed rent — you top up $29/mo
Mortgage$1,921
Costs$1,213
Management$310
Maintenance$67
Insurance$28
CapEx reserve$155
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$29
Returns
Return before costson price9.68%
Cash returnon cash-0.19%
Gross margin$1,772
Cash needed$187,344
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$37,248
$14,555
$23,047
$0
$0
-$354
-$354
Year 2
$38,365
$14,991
$23,047
$0
$62
$265
-$88
Year 3
$39,516
$15,441
$23,047
$0
$195
$833
$745
Year 4
$40,702
$15,904
$23,047
$0
$333
$1,418
$2,163
Year 5
$41,923
$16,382
$23,047
$0
$474
$2,021
$4,184
Year 5 disposal
Disposal gain (gross)-$59,021
CGT$0
Net Disposal proceeds$414,337
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 · 5284.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price9.68%5-yr return on cash 2%Rent est. $3,104 ($2,737–$3,520)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,737–$3,520/mo · n=18
Financing
DepositYour cash in — the rest is the mortgage25% · $96,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $54,690–$102,530 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $288,675 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
-$29
after mortgage, operating costs & tax
Rent in$3,104/mo
$2,985Collected
$2,985/mo actually reaches you — the other $119 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,921Mortgage$1,213Costs
Outgoings exceed rent — you top up $29/mo
Mortgage$1,921
Costs$1,213
Management$310
Maintenance$67
Insurance$28
CapEx reserve$155
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$29
Returns
Return before costson price9.68%
Cash returnon cash-0.19%
Gross margin$1,772
Cash needed$187,344
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.85
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
$37,248
$14,555
$23,047
$0
$0
-$354
-$354
Year 2
$38,365
$14,991
$23,047
$0
$62
$265
-$88
Year 3
$39,516
$15,441
$23,047
$0
$195
$833
$745
Year 4
$40,702
$15,904
$23,047
$0
$333
$1,418
$2,163
Year 5
$41,923
$16,382
$23,047
$0
$474
$2,021
$4,184
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
Transport detail not loaded for this property.
Acquisition costs
$187K
25% deposit$96,225
Refurb$78,610
Legal + survey$2,150
Mortgage + broker$6,774
Cash needed$187,344
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