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
−$768/mo
You top up $768/mo
Price
$265K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$232K
Deposit + fees + refurb
Return before costson price4.75%5-yr return on cash -19%Rent est. $1,050 ($1,843–$2,471)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,843–$2,471/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $66,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $265,000 asking ($159,000). Raw model: $108,200–$201,770. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $198,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$768
after mortgage, operating costs & tax
Rent in$1,050/mo
$1,010Collected
$1,010/mo actually reaches you — the other $40 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,322Mortgage$496Costs
Outgoings exceed rent — you top up $768/mo
Mortgage$1,322
Costs$496
Management$105
Maintenance$67
Insurance$28
CapEx reserve$53
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$768
Returns
Return before costson price4.75%
Cash returnon cash-3.97%
Gross margin$514
Cash needed$232,194
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.45
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
$12,600
$5,950
$15,867
$0
$0
-$9,218
-$9,218
Year 2
$12,978
$6,129
$15,867
$0
$0
-$9,018
-$18,236
Year 3
$13,367
$6,312
$15,867
$0
$0
-$8,813
-$27,048
Year 4
$13,768
$6,502
$15,867
$0
$0
-$8,601
-$35,649
Year 5
$14,181
$6,697
$15,867
$0
$0
-$8,383
-$44,032
Year 5 disposal
Disposal gain (gross)-$146,183
CGT$0
Net Disposal proceeds$285,267
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 · 6005 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
4.75% Return before costs — around the area average for this property type.
Monthly profit −$768/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$768/mo
You top up $768/mo
Price
$265K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$232K
Deposit + fees + refurb
Return before costson price4.75%5-yr return on cash -19%Rent est. $1,050 ($1,843–$2,471)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,843–$2,471/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $66,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $265,000 asking ($159,000). Raw model: $108,200–$201,770. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $198,750 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$768
after mortgage, operating costs & tax
Rent in$1,050/mo
$1,010Collected
$1,010/mo actually reaches you — the other $40 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,322Mortgage$496Costs
Outgoings exceed rent — you top up $768/mo
Mortgage$1,322
Costs$496
Management$105
Maintenance$67
Insurance$28
CapEx reserve$53
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$768
Returns
Return before costson price4.75%
Cash returnon cash-3.97%
Gross margin$514
Cash needed$232,194
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.45
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
$12,600
$5,950
$15,867
$0
$0
-$9,218
-$9,218
Year 2
$12,978
$6,129
$15,867
$0
$0
-$9,018
-$18,236
Year 3
$13,367
$6,312
$15,867
$0
$0
-$8,813
-$27,048
Year 4
$13,768
$6,502
$15,867
$0
$0
-$8,601
-$35,649
Year 5
$14,181
$6,697
$15,867
$0
$0
-$8,383
-$44,032
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$232K
25% deposit$66,250
Refurb$159,000
Legal + survey$2,150
Mortgage + broker$4,975
Cash needed$232,194
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