-15.1% 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
$400K
Return before costson price
6.71%
est rent $2,236not enough comparables
Cash needed
$245K
deposit + costs
Monthly profit
−$604
net of mgmt + voids
5y Return on your cash
-12.7%
after tax
IRR
-15.1%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $99,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$604
after mortgage, operating costs & tax
Income
Monthly rent+$2,236
After 2wk voids: $2,150/mo
Outgoings
Mortgage-$1,995
Operating costs-$845
show breakdown ▾
Management (10% of rent)-$224
CapEx reserve (5% of rent)-$112
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.71%
Cash returnon cash-2.95%
Gross margin$1,305
Cash needed$245,333
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$26,832
$10,136
$23,945
$0
$0
-$7,249
-$7,249
Year 2
$27,637
$10,440
$23,945
$0
$0
-$6,748
-$13,997
Year 3
$28,466
$10,753
$23,945
$0
$0
-$6,232
-$20,229
Year 4
$29,320
$11,076
$23,945
$0
$0
-$5,701
-$25,930
Year 5
$30,200
$11,408
$23,945
$0
$0
-$5,153
-$31,083
Year 5 disposal
Disposal gain (gross)-$115,124
CGT$0
Net Disposal proceeds$430,484
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5969.1 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
6.71% Return before costs — around the area average for this property type.
Monthly profit −$604/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$400K
vs comparable
Return before costs
6.71%
est rent $2,236/monot enough comparables
Bedrooms
3
4 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $99,975
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$604
after mortgage, operating costs & tax
Income
Monthly rent+$2,236
After 2wk voids: $2,150/mo
Outgoings
Mortgage-$1,995
Operating costs-$845
show breakdown ▾
Management (10% of rent)-$224
CapEx reserve (5% of rent)-$112
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.71%
Cash returnon cash-2.95%
Gross margin$1,305
Cash needed$245,333
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.65
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$4,199
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$31,083
Acquisition costs
$245K
25% deposit$99,975
Refurb$135,560
Legal + survey$2,150
Mortgage + broker$6,999
Cash needed$245,333
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