No rent data on file — verify locally before offering.
Why it works
Monthly profit +$52,198/mo from completion — the no.1 reason to invest
860.6% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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 →
Price
$63K
Return before costson price
—
est rent $65,000not enough comparables
Cash needed
$55K
deposit + costs
Monthly profit
+$52K
net of mgmt + voids
5y Return on your cash
4554.5%
after tax
IRR
860.6%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $15,625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$52,198
after mortgage, operating costs & tax
Income
Monthly rent+$65,000
After 2wk voids: $62,500/mo
Outgoings
Mortgage-$312
Operating costs-$12,490
show breakdown ▾
Management (10% of rent)-$6,500
CapEx reserve (5% of rent)-$3,250
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1248.00%
Cash returnon cash1143.41%
Gross margin$50,010
Cash needed$54,781
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check82.43
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$780,000
$149,881
$3,742
$0
$156,594
$469,782
$469,782
Year 2
$803,400
$154,378
$3,742
$0
$161,320
$483,960
$953,743
Year 3
$827,502
$159,009
$3,742
$0
$166,188
$498,563
$1,452,305
Year 4
$852,327
$163,779
$3,742
$0
$171,201
$513,605
$1,965,910
Year 5
$877,897
$168,693
$3,742
$0
$176,365
$529,097
$2,495,007
Year 5 disposal
Disposal gain (gross)-$35,670
CGT$0
Net Disposal proceeds$67,280
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 cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5064.8 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$63K
vs comparable
Return before costs
—
est rent $65,000/monot enough comparables
Bedrooms
5
7 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $15,625
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$52,198
after mortgage, operating costs & tax
Income
Monthly rent+$65,000
After 2wk voids: $62,500/mo
Outgoings
Mortgage-$312
Operating costs-$12,490
show breakdown ▾
Management (10% of rent)-$6,500
CapEx reserve (5% of rent)-$3,250
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1248.00%
Cash returnon cash1143.41%
Gross margin$50,010
Cash needed$54,781
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check82.43
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)5 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$656
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$2,495,007
Acquisition costs
$55K
25% deposit$15,625
Refurb$37,500
Legal + survey$1,700
Mortgage + broker$1,938
Cash needed$54,781
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