Monthly profit +$865/mo from completion — the no.1 reason to invest
14.21% return before costs — above-market
Why to be cautious
-6.5% 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
$315K
Return before costson price
14.21%
est rent $3,731not enough comparablesRange $1,905–$2,273/mo (Q1–Q3)
Cash needed
$205K
deposit + costs
Monthly profit
+$865
net of mgmt + voids
5y Return on your cash
24.0%
after tax
IRR
-6.5%
cash + capital
Rent Range
$1,905–$2,273
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,905–$2,273/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$865
after mortgage, operating costs & tax
Income
Monthly rent+$3,731
After 2wk voids: $3,588/mo
Outgoings
Mortgage-$1,572
Operating costs-$1,294
show breakdown ▾
Management (10% of rent)-$373
CapEx reserve (5% of rent)-$187
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.21%
Cash returnon cash5.05%
Gross margin$2,293
Cash needed$205,448
Monthly profit payback19y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.21
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$44,772
$15,530
$18,861
$0
$1,972
$8,409
$8,409
Year 2
$46,115
$15,996
$18,861
$0
$2,139
$9,119
$17,528
Year 3
$47,499
$16,476
$18,861
$0
$2,311
$9,851
$27,379
Year 4
$48,924
$16,970
$18,861
$0
$2,488
$10,604
$37,983
Year 5
$50,391
$17,479
$18,861
$0
$2,670
$11,381
$49,364
Year 5 disposal
Disposal gain (gross)-$103,969
CGT$0
Net Disposal proceeds$339,091
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 7373.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
est rent $3,731/monot enough comparablesRange $1,905–$2,273/mo (Q1–Q3)
Bedrooms
2
2 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,905–$2,273/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$865
after mortgage, operating costs & tax
Income
Monthly rent+$3,731
After 2wk voids: $3,588/mo
Outgoings
Mortgage-$1,572
Operating costs-$1,294
show breakdown ▾
Management (10% of rent)-$373
CapEx reserve (5% of rent)-$187
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price14.21%
Cash returnon cash5.05%
Gross margin$2,293
Cash needed$205,448
Monthly profit payback19y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.21
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 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$3,308
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$49,364
Acquisition costs
$205K
25% deposit$78,750
Refurb$119,610
Legal + survey$2,150
Mortgage + broker$5,725
Cash needed$205,448
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