Monthly profit +$232/mo from completion — the no.1 reason to invest
10.11% return before costs — above-market
Why to be cautious
-3.1% 5y IRR — capital outlay disproportionate to returns
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 →
Price
$950K
Return before costson price
10.11%
est rent $8,000not enough comparablesRange $5,672–$7,898/mo (Q1–Q3)
Cash needed
$392K
deposit + costs
Monthly profit
+$232
net of mgmt + voids
5y Return on your cash
6.7%
after tax
IRR
-3.1%
cash + capital
Rent Range
$5,672–$7,898
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,672–$7,898/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $237,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$232
after mortgage, operating costs & tax
Income
Monthly rent+$8,000
After 2wk voids: $7,692/mo
Outgoings
Mortgage-$4,740
Operating costs-$3,027
show breakdown ▾
Management (10% of rent)-$800
CapEx reserve (5% of rent)-$400
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.11%
Cash returnon cash0.71%
Gross margin$4,665
Cash needed$392,360
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.89
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$96,000
$36,327
$56,883
$0
$530
$2,259
$2,259
Year 2
$98,880
$37,417
$56,883
$0
$870
$3,709
$5,969
Year 3
$101,846
$38,540
$56,883
$0
$1,220
$5,203
$11,172
Year 4
$104,902
$39,696
$56,883
$0
$1,581
$6,742
$17,914
Year 5
$108,049
$40,887
$56,883
$0
$1,953
$8,326
$26,239
Year 5 disposal
Disposal gain (gross)-$78,930
CGT$0
Net Disposal proceeds$1,022,655
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 · 5171.7 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $8,000/monot enough comparablesRange $5,672–$7,898/mo (Q1–Q3)
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $5,672–$7,898/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $237,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$232
after mortgage, operating costs & tax
Income
Monthly rent+$8,000
After 2wk voids: $7,692/mo
Outgoings
Mortgage-$4,740
Operating costs-$3,027
show breakdown ▾
Management (10% of rent)-$800
CapEx reserve (5% of rent)-$400
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price10.11%
Cash returnon cash0.71%
Gross margin$4,665
Cash needed$392,360
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.89
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$9,975
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$26,239
Acquisition costs
$392K
25% deposit$237,500
Refurb$129,685
Legal + survey$2,900
Mortgage + broker$15,250
Cash needed$392,360
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice