Monthly profit −$394/mo — significantly negative — real recurring drain
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
−$394/mo
You top up $394/mo
Price
$280K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$183K
Deposit + fees + refurb
Return before costson price7.91%5-yr return on cash -11%Rent est. $1,846 ($1,069–$1,184)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,069–$1,184/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $70,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $73,030–$136,590 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $210,000 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
-$394
after mortgage, operating costs & tax
Rent in$1,846/mo
$1,775Collected
$1,775/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,397Mortgage$843Costs
Outgoings exceed rent — you top up $394/mo
Mortgage$1,397
Costs$843
Management$185
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$394
Returns
Return before costson price7.91%
Cash returnon cash-2.58%
Gross margin$932
Cash needed$183,210
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
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
$22,152
$10,119
$16,766
$0
$0
-$4,732
-$4,732
Year 2
$22,817
$10,422
$16,766
$0
$0
-$4,371
-$9,104
Year 3
$23,501
$10,735
$16,766
$0
$0
-$4,000
-$13,103
Year 4
$24,206
$11,057
$16,766
$0
$0
-$3,617
-$16,720
Year 5
$24,932
$11,389
$16,766
$0
$0
-$3,222
-$19,942
Year 5 disposal
Disposal gain (gross)-$91,146
CGT$0
Net Disposal proceeds$301,414
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 · 5701.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price7.91%5-yr return on cash -11%Rent est. $1,846 ($1,069–$1,184)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,069–$1,184/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $70,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $73,030–$136,590 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $210,000 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
-$394
after mortgage, operating costs & tax
Rent in$1,846/mo
$1,775Collected
$1,775/mo actually reaches you — the other $71 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,397Mortgage$843Costs
Outgoings exceed rent — you top up $394/mo
Mortgage$1,397
Costs$843
Management$185
Maintenance$67
Insurance$28
CapEx reserve$92
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$394
Returns
Return before costson price7.91%
Cash returnon cash-2.58%
Gross margin$932
Cash needed$183,210
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
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
$22,152
$10,119
$16,766
$0
$0
-$4,732
-$4,732
Year 2
$22,817
$10,422
$16,766
$0
$0
-$4,371
-$9,104
Year 3
$23,501
$10,735
$16,766
$0
$0
-$4,000
-$13,103
Year 4
$24,206
$11,057
$16,766
$0
$0
-$3,617
-$16,720
Year 5
$24,932
$11,389
$16,766
$0
$0
-$3,222
-$19,942
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$183K
25% deposit$70,000
Refurb$104,810
Legal + survey$2,150
Mortgage + broker$5,200
Cash needed$183,210
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