-14.3% 5y IRR — capital outlay disproportionate to returns
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Price
$425K
Return before costson price
3.76%
est rent $1,331not enough comparables
Cash needed
$158K
deposit + costs
Monthly profit
−$2K
net of mgmt + voids
5y Return on your cash
-55.8%
after tax
IRR
-14.3%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $106,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,502
after mortgage, operating costs & tax
Income
Monthly rent+$1,331
After 2wk voids: $1,280/mo
Outgoings
Mortgage-$2,121
Operating costs-$713
show breakdown ▾
Management (10% of rent)-$133
CapEx reserve (5% of rent)-$67
Council Tax × voids (2w/yr)-$7
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.76%
Cash returnon cash-11.44%
Gross margin$567
Cash needed$157,523
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.36
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
$15,972
$8,550
$25,448
$0
$0
-$18,026
-$18,026
Year 2
$16,451
$8,807
$25,448
$0
$0
-$17,803
-$35,829
Year 3
$16,945
$9,071
$25,448
$0
$0
-$17,574
-$53,403
Year 4
$17,453
$9,343
$25,448
$0
$0
-$17,338
-$70,741
Year 5
$17,977
$9,623
$25,448
$0
$0
-$17,094
-$87,835
Year 5 disposal
Disposal gain (gross)-$15,182
CGT$0
Net Disposal proceeds$457,503
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 Aberdeen · 7117.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
3.76% Return before costs — around the area average for this property type.
Monthly profit −$1,502/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$425K
vs comparable
Return before costs
3.76%
est rent $1,331/monot enough comparables
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $106,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,502
after mortgage, operating costs & tax
Income
Monthly rent+$1,331
After 2wk voids: $1,280/mo
Outgoings
Mortgage-$2,121
Operating costs-$713
show breakdown ▾
Management (10% of rent)-$133
CapEx reserve (5% of rent)-$67
Council Tax × voids (2w/yr)-$7
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.76%
Cash returnon cash-11.44%
Gross margin$567
Cash needed$157,523
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.36
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$4,463
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$87,835
Acquisition costs
$158K
25% deposit$106,250
Refurb$37,035
Legal + survey$2,150
Mortgage + broker$7,375
Cash needed$157,523
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice