No rent data on file — verify locally before offering.
Why it works
Monthly profit +$1,426/mo from completion — the no.1 reason to invest
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
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
$2K
Return before costson price
—
est rent $1,957not enough comparables
Cash needed
$2K
deposit + costs
Monthly profit
+$1K
net of mgmt + voids
5y Return on your cash
4196.1%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,000 asking ($1,200). Raw model: $82,160–$153,410. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,500 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,426
after mortgage, operating costs & tax
Rent in$1,882/mo
Where it goes
$521$1,426
$1,426/mo left as profit · 76% of rent kept
Mortgage$10
Costs$521
Management$196
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,426
Income
Monthly rent+$1,957
After 2wk voids: $1,882/mo
Outgoings
Mortgage-$10
Operating costs-$521
show breakdown ▾
Management (10% of rent)-$196
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1174.20%
Cash returnon cash975.33%
Gross margin$1,361
Cash needed$1,755
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.47
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$23,484
$6,247
$120
$0
$3,252
$13,865
$13,865
Year 2
$24,189
$6,435
$120
$0
$3,350
$14,284
$28,149
Year 3
$24,914
$6,628
$120
$0
$3,452
$14,715
$42,864
Year 4
$25,662
$6,826
$120
$0
$3,556
$15,159
$58,023
Year 5
$26,431
$7,031
$120
$0
$3,663
$15,617
$73,641
Year 5 disposal
Disposal gain (gross)-$3,087
CGT$0
Net Disposal proceeds$2,153
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 cohort3 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5460.3 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$2K
Return before costs
—
est rent $1,957/monot enough comparables
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $500
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $2,000 asking ($1,200). Raw model: $82,160–$153,410. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $1,500 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$1,426
after mortgage, operating costs & tax
Rent in$1,882/mo
Where it goes
$521$1,426
$1,426/mo left as profit · 76% of rent kept
Mortgage$10
Costs$521
Management$196
Maintenance$67
Insurance$20
CapEx reserve$98
Voids + council tax$5
Service charge + ground rent$175
Tax—
Profit+$1,426
Income
Monthly rent+$1,957
After 2wk voids: $1,882/mo
Outgoings
Mortgage-$10
Operating costs-$521
show breakdown ▾
Management (10% of rent)-$196
CapEx reserve (5% of rent)-$98
Council Tax × voids (2w/yr)-$5
Service charge + ground rent-$175
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1174.20%
Cash returnon cash975.33%
Gross margin$1,361
Cash needed$1,755
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check8.47
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$23,484
$6,247
$120
$0
$3,252
$13,865
$13,865
Year 2
$24,189
$6,435
$120
$0
$3,350
$14,284
$28,149
Year 3
$24,914
$6,628
$120
$0
$3,452
$14,715
$42,864
Year 4
$25,662
$6,826
$120
$0
$3,556
$15,159
$58,023
Year 5
$26,431
$7,031
$120
$0
$3,663
$15,617
$73,641
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
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PropertySchoolsUniversitiesStations
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Acquisition costs
$2K
25% deposit$500
Refurb$1,200
Legal + survey$2,000
Mortgage + broker$1,030
Cash needed$1,755
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