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
−$998/mo
You top up $998/mo
Price
$399K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$198K
Deposit + fees + refurb
Return before costson price5.71%5-yr return on cash -28%Rent est. $1,900
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 9 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $99,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $60,570–$113,450 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $299,250 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
-$998
after mortgage, operating costs & tax
Rent in$1,900/mo
$1,827Collected
$1,827/mo actually reaches you — the other $73 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,991Mortgage$907Costs
Outgoings exceed rent — you top up $998/mo
Mortgage$1,991
Costs$907
Management$190
Maintenance$67
Insurance$28
CapEx reserve$95
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$998
Returns
Return before costson price5.71%
Cash returnon cash-6.06%
Gross margin$920
Cash needed$197,557
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.52
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
$22,800
$10,885
$23,891
$0
$0
-$11,976
-$11,976
Year 2
$23,484
$11,211
$23,891
$0
$0
-$11,618
-$23,594
Year 3
$24,189
$11,548
$23,891
$0
$0
-$11,250
-$34,845
Year 4
$24,914
$11,894
$23,891
$0
$0
-$10,871
-$45,716
Year 5
$25,662
$12,251
$23,891
$0
$0
-$10,480
-$56,196
Year 5 disposal
Disposal gain (gross)-$66,625
CGT$0
Net Disposal proceeds$429,515
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 · 4925.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
5.71% Return before costs — around the area average for this property type.
Monthly profit −$998/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$998/mo
You top up $998/mo
Price
$399K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$198K
Deposit + fees + refurb
Return before costson price5.71%5-yr return on cash -28%Rent est. $1,900
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 9 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $99,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $60,570–$113,450 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $299,250 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
-$998
after mortgage, operating costs & tax
Rent in$1,900/mo
$1,827Collected
$1,827/mo actually reaches you — the other $73 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,991Mortgage$907Costs
Outgoings exceed rent — you top up $998/mo
Mortgage$1,991
Costs$907
Management$190
Maintenance$67
Insurance$28
CapEx reserve$95
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$998
Returns
Return before costson price5.71%
Cash returnon cash-6.06%
Gross margin$920
Cash needed$197,557
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.52
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
$22,800
$10,885
$23,891
$0
$0
-$11,976
-$11,976
Year 2
$23,484
$11,211
$23,891
$0
$0
-$11,618
-$23,594
Year 3
$24,189
$11,548
$23,891
$0
$0
-$11,250
-$34,845
Year 4
$24,914
$11,894
$23,891
$0
$0
-$10,871
-$45,716
Year 5
$25,662
$12,251
$23,891
$0
$0
-$10,480
-$56,196
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
$198K
25% deposit$99,750
Refurb$87,010
Legal + survey$2,150
Mortgage + broker$6,985
Cash needed$197,557
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