Monthly profit +$739/mo from completion — the no.1 reason to invest
21.16% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
-5.9% 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
$110K
Return before costson price
21.16%
est rent $1,940not enough comparables
Cash needed
$97K
deposit + costs
Monthly profit
+$739
net of mgmt + voids
5y Return on your cash
41.0%
after tax
IRR
-5.9%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $27,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$739
after mortgage, operating costs & tax
Income
Monthly rent+$1,940
After 2wk voids: $1,865/mo
Outgoings
Mortgage-$549
Operating costs-$652
show breakdown ▾
Management (10% of rent)-$194
CapEx reserve (5% of rent)-$97
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price21.16%
Cash returnon cash9.13%
Gross margin$1,213
Cash needed$97,075
Monthly profit payback11y
Data confidence
Lender stress test
Rent-covers-mortgage check1.63
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
$23,280
$7,826
$6,586
$0
$1,685
$7,182
$7,182
Year 2
$23,978
$8,061
$6,586
$0
$1,773
$7,558
$14,740
Year 3
$24,698
$8,303
$6,586
$0
$1,864
$7,944
$22,684
Year 4
$25,439
$8,552
$6,586
$0
$1,957
$8,343
$31,027
Year 5
$26,202
$8,809
$6,586
$0
$2,053
$8,754
$39,781
Year 5 disposal
Disposal gain (gross)-$61,487
CGT$0
Net Disposal proceeds$118,413
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 · 5267.9 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
21.16% Return before costs — above-market
Price
$110K
vs comparable
Return before costs
21.16%
est rent $1,940/monot enough comparables
Bedrooms
2
2 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $27,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$739
after mortgage, operating costs & tax
Income
Monthly rent+$1,940
After 2wk voids: $1,865/mo
Outgoings
Mortgage-$549
Operating costs-$652
show breakdown ▾
Management (10% of rent)-$194
CapEx reserve (5% of rent)-$97
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price21.16%
Cash returnon cash9.13%
Gross margin$1,213
Cash needed$97,075
Monthly profit payback11y
Data confidence
Lender stress test
Rent-covers-mortgage check1.63
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
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PropertySchoolsUniversitiesStations
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Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$1,155
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$39,781
Acquisition costs
$97K
25% deposit$27,500
Refurb$66,000
Legal + survey$1,700
Mortgage + broker$2,650
Cash needed$97,075
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice