Monthly profit +$471/mo from completion — the no.1 reason to invest
15.97% return before costs — above-market
Why to be cautious
-3.7% 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
$141K
Return before costson price
15.97%
est rent $1,875not enough comparablesRange $1,431–$2,130/mo (Q1–Q3)
Cash needed
$85K
deposit + costs
Monthly profit
+$471
net of mgmt + voids
5y Return on your cash
31.0%
after tax
IRR
-3.7%
cash + capital
Rent Range
$1,431–$2,130
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,431–$2,130/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $35,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$471
after mortgage, operating costs & tax
Income
Monthly rent+$1,875
After 2wk voids: $1,803/mo
Outgoings
Mortgage-$703
Operating costs-$701
show breakdown ▾
Management (10% of rent)-$188
CapEx reserve (5% of rent)-$94
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price15.97%
Cash returnon cash6.62%
Gross margin$1,102
Cash needed$85,380
Monthly profit payback15y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.25
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
$22,500
$8,407
$8,437
$0
$1,075
$4,581
$4,581
Year 2
$23,175
$8,660
$8,437
$0
$1,155
$4,924
$9,504
Year 3
$23,870
$8,919
$8,437
$0
$1,238
$5,276
$14,781
Year 4
$24,586
$9,187
$8,437
$0
$1,323
$5,640
$20,420
Year 5
$25,324
$9,463
$8,437
$0
$1,411
$6,014
$26,434
Year 5 disposal
Disposal gain (gross)-$40,727
CGT$0
Net Disposal proceeds$151,676
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 · 7373.7 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
est rent $1,875/monot enough comparablesRange $1,431–$2,130/mo (Q1–Q3)
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,431–$2,130/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $35,225
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$471
after mortgage, operating costs & tax
Income
Monthly rent+$1,875
After 2wk voids: $1,803/mo
Outgoings
Mortgage-$703
Operating costs-$701
show breakdown ▾
Management (10% of rent)-$188
CapEx reserve (5% of rent)-$94
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price15.97%
Cash returnon cash6.62%
Gross margin$1,102
Cash needed$85,380
Monthly profit payback15y 2m
Data confidence
Lender stress test
Rent-covers-mortgage check1.25
Rent-covers-mortgage check PASS (target 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$1,479
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$26,434
Acquisition costs
$85K
25% deposit$35,225
Refurb$46,985
Legal + survey$1,700
Mortgage + broker$3,114
Cash needed$85,380
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