No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,813/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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 →
Price
$2K
Return before costson price
—
est rent $2,438not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$2K
net of mgmt + voids
5y Return on your cash
4380.8%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $612
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,449 asking ($1,469). Raw model: $109,355–$203,915. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,836.75 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
+$1,813
after mortgage, operating costs & tax
Rent in$2,344/mo
Where it goes
$613$1,813
$1,813/mo left as profit · 77% of rent kept
Mortgage$12
Costs$613
Management$244
Maintenance$67
Insurance$20
CapEx reserve$122
Voids + council tax$5
Tax—
Profit+$1,813
Income
Monthly rent+$2,438
After 2wk voids: $2,344/mo
Outgoings
Mortgage-$12
Operating costs-$613
show breakdown ▾
Management (10% of rent)-$244
CapEx reserve (5% of rent)-$122
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1194.61%
Cash returnon cash1018.31%
Gross margin$1,731
Cash needed$2,136
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.30
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
$29,256
$7,355
$147
$0
$4,133
$17,622
$17,622
Year 2
$30,134
$7,575
$147
$0
$4,258
$18,154
$35,775
Year 3
$31,038
$7,803
$147
$0
$4,387
$18,701
$54,476
Year 4
$31,969
$8,037
$147
$0
$4,519
$19,266
$73,743
Year 5
$32,928
$8,278
$147
$0
$4,656
$19,847
$93,590
Year 5 disposal
Disposal gain (gross)-$3,031
CGT$0
Net Disposal proceeds$2,636
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 · 7209.9 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$2K
Return before costs
—
est rent $2,438/monot enough comparables
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $612
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,449 asking ($1,469). Raw model: $109,355–$203,915. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $1,836.75 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
+$1,813
after mortgage, operating costs & tax
Rent in$2,344/mo
Where it goes
$613$1,813
$1,813/mo left as profit · 77% of rent kept
Mortgage$12
Costs$613
Management$244
Maintenance$67
Insurance$20
CapEx reserve$122
Voids + council tax$5
Tax—
Profit+$1,813
Income
Monthly rent+$2,438
After 2wk voids: $2,344/mo
Outgoings
Mortgage-$12
Operating costs-$613
show breakdown ▾
Management (10% of rent)-$244
CapEx reserve (5% of rent)-$122
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1194.61%
Cash returnon cash1018.31%
Gross margin$1,731
Cash needed$2,136
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check10.30
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
$29,256
$7,355
$147
$0
$4,133
$17,622
$17,622
Year 2
$30,134
$7,575
$147
$0
$4,258
$18,154
$35,775
Year 3
$31,038
$7,803
$147
$0
$4,387
$18,701
$54,476
Year 4
$31,969
$8,037
$147
$0
$4,519
$19,266
$73,743
Year 5
$32,928
$8,278
$147
$0
$4,656
$19,847
$93,590
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
$2K
25% deposit$612
Refurb$1,469
Legal + survey$1,700
Mortgage + broker$1,037
Cash needed$2,136
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