Monthly profit −$464/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
−$464/mo
You top up $464/mo
Price
$389K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$339K
Deposit + fees + refurb
Return before costson price7.95%5-yr return on cash -7%Rent est. $2,576
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $97,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $389,000 asking ($233,400). Raw model: $147,990–$275,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $291,750 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
-$464
after mortgage, operating costs & tax
Rent in$2,576/mo
$2,477Collected
$2,477/mo actually reaches you — the other $99 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,941Mortgage$1,099Costs
Outgoings exceed rent — you top up $464/mo
Mortgage$1,941
Costs$1,099
Management$258
Maintenance$67
Insurance$28
CapEx reserve$129
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$464
Returns
Return before costson price7.95%
Cash returnon cash-1.64%
Gross margin$1,378
Cash needed$339,403
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
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
$30,912
$13,188
$23,292
$0
$0
-$5,569
-$5,569
Year 2
$31,839
$13,584
$23,292
$0
$0
-$5,037
-$10,606
Year 3
$32,795
$13,992
$23,292
$0
$0
-$4,489
-$15,095
Year 4
$33,778
$14,411
$23,292
$0
$0
-$3,925
-$19,020
Year 5
$34,792
$14,844
$23,292
$0
$0
-$3,344
-$22,365
Year 5 disposal
Disposal gain (gross)-$213,580
CGT$0
Net Disposal proceeds$418,750
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 · 6806.7 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 price7.95%5-yr return on cash -7%Rent est. $2,576
Bedrooms
4
4 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $97,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $389,000 asking ($233,400). Raw model: $147,990–$275,530. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $291,750 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
-$464
after mortgage, operating costs & tax
Rent in$2,576/mo
$2,477Collected
$2,477/mo actually reaches you — the other $99 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,941Mortgage$1,099Costs
Outgoings exceed rent — you top up $464/mo
Mortgage$1,941
Costs$1,099
Management$258
Maintenance$67
Insurance$28
CapEx reserve$129
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$464
Returns
Return before costson price7.95%
Cash returnon cash-1.64%
Gross margin$1,378
Cash needed$339,403
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
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
$30,912
$13,188
$23,292
$0
$0
-$5,569
-$5,569
Year 2
$31,839
$13,584
$23,292
$0
$0
-$5,037
-$10,606
Year 3
$32,795
$13,992
$23,292
$0
$0
-$4,489
-$15,095
Year 4
$33,778
$14,411
$23,292
$0
$0
-$3,925
-$19,020
Year 5
$34,792
$14,844
$23,292
$0
$0
-$3,344
-$22,365
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
$339K
25% deposit$97,250
Refurb$233,400
Legal + survey$2,150
Mortgage + broker$6,835
Cash needed$339,403
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