Monthly profit +$406/mo from completion — the no.1 reason to invest
12.17% return before costs — above-market
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 →
Monthly cashflow
+$406/mo
Pays you every month, net of costs
Price
$220K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$145K
Deposit + fees + refurb
Return before costson price12.17%5-yr return on cash 17%Rent est. $2,231 ($1,998–$2,491)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,998–$2,491/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $54,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $58,860–$110,410 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,925 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
+$406
after mortgage, operating costs & tax
Rent in$2,231/mo
$2,145Collected
$2,145/mo actually reaches you — the other $86 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,097Mortgage$728Costs$406Your profit
$406/mo left as profit · 19% of rent kept
Mortgage$1,097
Costs$728
Management$223
Maintenance$67
Insurance$28
CapEx reserve$112
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$406
Returns
Return before costson price12.17%
Cash returnon cash3.37%
Gross margin$1,417
Cash needed$144,558
Monthly profit payback29y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.11
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
$26,772
$8,737
$13,167
$0
$925
$3,943
$3,943
Year 2
$27,575
$8,999
$13,167
$0
$1,028
$4,381
$8,325
Year 3
$28,402
$9,269
$13,167
$0
$1,134
$4,833
$13,158
Year 4
$29,254
$9,547
$13,167
$0
$1,243
$5,298
$18,455
Year 5
$30,132
$9,833
$13,167
$0
$1,355
$5,777
$24,232
Year 5 disposal
Disposal gain (gross)-$73,915
CGT$0
Net Disposal proceeds$236,718
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 · 6007.5 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price12.17%5-yr return on cash 17%Rent est. $2,231 ($1,998–$2,491)
Bedrooms
4
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,998–$2,491/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $54,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $58,860–$110,410 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $164,925 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
+$406
after mortgage, operating costs & tax
Rent in$2,231/mo
$2,145Collected
$2,145/mo actually reaches you — the other $86 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,097Mortgage$728Costs$406Your profit
$406/mo left as profit · 19% of rent kept
Mortgage$1,097
Costs$728
Management$223
Maintenance$67
Insurance$28
CapEx reserve$112
Voids + council tax$6
Ltd co. accounts$104
Tax—
Profit+$406
Returns
Return before costson price12.17%
Cash returnon cash3.37%
Gross margin$1,417
Cash needed$144,558
Monthly profit payback29y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.11
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
$26,772
$8,737
$13,167
$0
$925
$3,943
$3,943
Year 2
$27,575
$8,999
$13,167
$0
$1,028
$4,381
$8,325
Year 3
$28,402
$9,269
$13,167
$0
$1,134
$4,833
$13,158
Year 4
$29,254
$9,547
$13,167
$0
$1,243
$5,298
$18,455
Year 5
$30,132
$9,833
$13,167
$0
$1,355
$5,777
$24,232
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
$145K
25% deposit$54,975
Refurb$84,635
Legal + survey$1,700
Mortgage + broker$4,299
Cash needed$144,558
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