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
−$131/mo
You top up $131/mo
Price
$195K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$171K
Deposit + fees + refurb
Return before costson price8.60%5-yr return on cash -3%Rent est. $1,397 ($1,734–$2,064)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,734–$2,064/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $48,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $195,000 asking ($117,000). Raw model: $66,840–$125,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $146,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$131
after mortgage, operating costs & tax
Rent in$1,397/mo
$1,343Collected
$1,343/mo actually reaches you — the other $54 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$973Mortgage$555Costs
Outgoings exceed rent — you top up $131/mo
Mortgage$973
Costs$555
Management$140
Maintenance$67
Insurance$20
CapEx reserve$70
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$131
Returns
Return before costson price8.60%
Cash returnon cash-0.92%
Gross margin$789
Cash needed$170,782
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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
$16,764
$6,656
$11,676
$0
$0
-$1,568
-$1,568
Year 2
$17,267
$6,856
$11,676
$0
$0
-$1,265
-$2,833
Year 3
$17,785
$7,061
$11,676
$0
$0
-$952
-$3,785
Year 4
$18,318
$7,273
$11,676
$0
$0
-$631
-$4,416
Year 5
$18,868
$7,491
$11,676
$0
$0
-$299
-$4,715
Year 5 disposal
Disposal gain (gross)-$107,687
CGT$0
Net Disposal proceeds$209,913
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 · 6002.8 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price8.60%5-yr return on cash -3%Rent est. $1,397 ($1,734–$2,064)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,734–$2,064/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $48,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $195,000 asking ($117,000). Raw model: $66,840–$125,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $146,250 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$131
after mortgage, operating costs & tax
Rent in$1,397/mo
$1,343Collected
$1,343/mo actually reaches you — the other $54 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$973Mortgage$555Costs
Outgoings exceed rent — you top up $131/mo
Mortgage$973
Costs$555
Management$140
Maintenance$67
Insurance$20
CapEx reserve$70
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$131
Returns
Return before costson price8.60%
Cash returnon cash-0.92%
Gross margin$789
Cash needed$170,782
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.77
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
$16,764
$6,656
$11,676
$0
$0
-$1,568
-$1,568
Year 2
$17,267
$6,856
$11,676
$0
$0
-$1,265
-$2,833
Year 3
$17,785
$7,061
$11,676
$0
$0
-$952
-$3,785
Year 4
$18,318
$7,273
$11,676
$0
$0
-$631
-$4,416
Year 5
$18,868
$7,491
$11,676
$0
$0
-$299
-$4,715
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
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Acquisition costs
$171K
25% deposit$48,750
Refurb$117,000
Legal + survey$1,700
Mortgage + broker$3,925
Cash needed$170,782
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