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 →
Monthly cashflow
+$150/mo
Barely breaks even each month
Price
$180K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$105K
Deposit + fees + refurb
Return before costson price12.59%5-yr return on cash 10%Rent est. $1,889 ($1,741–$2,050)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,741–$2,050/mo · n=66
Financing
DepositYour cash in — the rest is the mortgage25% · $45,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $38,840–$73,230 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $135,000 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
+$150
after mortgage, operating costs & tax
Rent in$1,889/mo
$1,816Collected
$1,816/mo actually reaches you — the other $73 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$898Mortgage$841Costs
$150/mo left as profit · 8% of rent kept
Mortgage$898
Costs$841
Management$189
Maintenance$67
Insurance$20
CapEx reserve$94
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$150
Returns
Return before costson price12.59%
Cash returnon cash1.71%
Gross margin$976
Cash needed$105,265
Monthly profit payback58y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check0.96
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$22,668
$10,086
$10,778
$0
$343
$1,461
$1,461
Year 2
$23,348
$10,389
$10,778
$0
$414
$1,768
$3,229
Year 3
$24,048
$10,700
$10,778
$0
$488
$2,082
$5,311
Year 4
$24,770
$11,021
$10,778
$0
$564
$2,407
$7,718
Year 5
$25,513
$11,352
$10,778
$0
$643
$2,740
$10,458
Year 5 disposal
Disposal gain (gross)-$47,569
CGT$0
Net Disposal proceeds$193,766
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 · 5895.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price12.59%5-yr return on cash 10%Rent est. $1,889 ($1,741–$2,050)
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,741–$2,050/mo · n=66
Financing
DepositYour cash in — the rest is the mortgage25% · $45,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $38,840–$73,230 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $135,000 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
+$150
after mortgage, operating costs & tax
Rent in$1,889/mo
$1,816Collected
$1,816/mo actually reaches you — the other $73 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$898Mortgage$841Costs
$150/mo left as profit · 8% of rent kept
Mortgage$898
Costs$841
Management$189
Maintenance$67
Insurance$20
CapEx reserve$94
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$150
Returns
Return before costson price12.59%
Cash returnon cash1.71%
Gross margin$976
Cash needed$105,265
Monthly profit payback58y 5m
Data confidence
Lender stress test
Rent-covers-mortgage check0.96
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$22,668
$10,086
$10,778
$0
$343
$1,461
$1,461
Year 2
$23,348
$10,389
$10,778
$0
$414
$1,768
$3,229
Year 3
$24,048
$10,700
$10,778
$0
$488
$2,082
$5,311
Year 4
$24,770
$11,021
$10,778
$0
$564
$2,407
$7,718
Year 5
$25,513
$11,352
$10,778
$0
$643
$2,740
$10,458
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$105K
25% deposit$45,000
Refurb$56,035
Legal + survey$1,700
Mortgage + broker$3,700
Cash needed$105,265
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice