Monthly profit +$368/mo from completion — the no.1 reason to invest
11.64% return before costs — above-market
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 →
Monthly cashflow
+$368/mo
Pays you every month, net of costs
Price
$240K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$138K
Deposit + fees + refurb
Return before costson price11.64%5-yr return on cash 16%Rent est. $2,328 ($2,253–$2,405)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,253–$2,405/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $59,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $50,215–$94,355 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $179,925 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
+$368
after mortgage, operating costs & tax
Rent in$2,328/mo
$2,238Collected
$2,238/mo actually reaches you — the other $90 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,197Mortgage$763Costs
$368/mo left as profit · 16% of rent kept
Mortgage$1,197
Costs$763
Management$233
Maintenance$67
Insurance$28
CapEx reserve$116
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$368
Returns
Return before costson price11.64%
Cash returnon cash3.19%
Gross margin$1,476
Cash needed$138,450
Monthly profit payback31y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.07
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$27,936
$9,152
$14,365
$0
$840
$3,579
$3,579
Year 2
$28,774
$9,426
$14,365
$0
$947
$4,036
$7,615
Year 3
$29,637
$9,709
$14,365
$0
$1,057
$4,506
$12,122
Year 4
$30,526
$10,001
$14,365
$0
$1,171
$4,990
$17,112
Year 5
$31,442
$10,301
$14,365
$0
$1,288
$5,489
$22,601
Year 5 disposal
Disposal gain (gross)-$60,436
CGT$0
Net Disposal proceeds$258,247
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5629.6 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price11.64%5-yr return on cash 16%Rent est. $2,328 ($2,253–$2,405)
Bedrooms
4
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,253–$2,405/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $59,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $50,215–$94,355 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $179,925 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
+$368
after mortgage, operating costs & tax
Rent in$2,328/mo
$2,238Collected
$2,238/mo actually reaches you — the other $90 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,197Mortgage$763Costs
$368/mo left as profit · 16% of rent kept
Mortgage$1,197
Costs$763
Management$233
Maintenance$67
Insurance$28
CapEx reserve$116
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$368
Returns
Return before costson price11.64%
Cash returnon cash3.19%
Gross margin$1,476
Cash needed$138,450
Monthly profit payback31y 4m
Data confidence
Lender stress test
Rent-covers-mortgage check1.07
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$27,936
$9,152
$14,365
$0
$840
$3,579
$3,579
Year 2
$28,774
$9,426
$14,365
$0
$947
$4,036
$7,615
Year 3
$29,637
$9,709
$14,365
$0
$1,057
$4,506
$12,122
Year 4
$30,526
$10,001
$14,365
$0
$1,171
$4,990
$17,112
Year 5
$31,442
$10,301
$14,365
$0
$1,288
$5,489
$22,601
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
$138K
25% deposit$59,975
Refurb$72,285
Legal + survey$1,700
Mortgage + broker$4,599
Cash needed$138,450
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