-4.9% 5y IRR — capital outlay disproportionate to returns
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
$700K
Return before costson price
8.01%
est rent $4,673not enough comparablesRange $4,122–$6,399/mo (Q1–Q3)
Cash needed
$246K
deposit + costs
Monthly profit
−$860
net of mgmt + voids
5y Return on your cash
-17.0%
after tax
IRR
-4.9%
cash + capital
Rent Range
$4,122–$6,399
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,122–$6,399/mo · n=48
Financing
DepositYour cash in — the rest is the mortgage25% · $175,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$860
after mortgage, operating costs & tax
Income
Monthly rent+$4,673
After 2wk voids: $4,493/mo
Outgoings
Mortgage-$3,493
Operating costs-$2,040
show breakdown ▾
Management (10% of rent)-$467
CapEx reserve (5% of rent)-$234
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.01%
Cash returnon cash-4.19%
Gross margin$2,453
Cash needed$246,085
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.70
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$56,076
$24,478
$41,914
$0
$0
-$10,316
-$10,316
Year 2
$57,758
$25,213
$41,914
$0
$0
-$9,368
-$19,685
Year 3
$59,491
$25,969
$41,914
$0
$0
-$8,392
-$28,077
Year 4
$61,276
$26,748
$41,914
$0
$0
-$7,386
-$35,463
Year 5
$63,114
$27,550
$41,914
$0
$0
-$6,350
-$41,813
Year 5 disposal
Disposal gain (gross)-$15,900
CGT$0
Net Disposal proceeds$753,535
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 cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5177.4 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
est rent $4,673/monot enough comparablesRange $4,122–$6,399/mo (Q1–Q3)
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $4,122–$6,399/mo · n=48
Financing
DepositYour cash in — the rest is the mortgage25% · $175,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$860
after mortgage, operating costs & tax
Income
Monthly rent+$4,673
After 2wk voids: $4,493/mo
Outgoings
Mortgage-$3,493
Operating costs-$2,040
show breakdown ▾
Management (10% of rent)-$467
CapEx reserve (5% of rent)-$234
Council Tax × voids (2w/yr)-$11
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price8.01%
Cash returnon cash-4.19%
Gross margin$2,453
Cash needed$246,085
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.70
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$7,350
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$41,813
Acquisition costs
$246K
25% deposit$175,000
Refurb$52,535
Legal + survey$2,900
Mortgage + broker$11,500
Cash needed$246,085
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Your notes
Auto-saves
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice