Monthly profit −$324/mo — significantly negative — real recurring drain
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
−$324/mo
You top up $324/mo
Price
$189K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$134K
Deposit + fees + refurb
Return before costson price7.08%5-yr return on cash -13%Rent est. $1,115 ($969–$1,278)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $969–$1,278/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $47,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,145–$107,225 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $141,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$324
after mortgage, operating costs & tax
Rent in$1,115/mo
$1,072Collected
$1,072/mo actually reaches you — the other $43 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$943Mortgage$496Costs
Outgoings exceed rent — you top up $324/mo
Mortgage$943
Costs$496
Management$112
Maintenance$67
Insurance$20
CapEx reserve$56
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$324
Returns
Return before costson price7.08%
Cash returnon cash-2.91%
Gross margin$577
Cash needed$133,688
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.64
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
$13,380
$5,947
$11,317
$0
$0
-$3,884
-$3,884
Year 2
$13,781
$6,125
$11,317
$0
$0
-$3,661
-$7,545
Year 3
$14,195
$6,309
$11,317
$0
$0
-$3,431
-$10,976
Year 4
$14,621
$6,498
$11,317
$0
$0
-$3,195
-$14,170
Year 5
$15,059
$6,693
$11,317
$0
$0
-$2,951
-$17,121
Year 5 disposal
Disposal gain (gross)-$73,211
CGT$0
Net Disposal proceeds$203,454
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 · 5991.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Return before costson price7.08%5-yr return on cash -13%Rent est. $1,115 ($969–$1,278)
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $969–$1,278/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $47,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $57,145–$107,225 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $141,750 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 sub-$200K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$324
after mortgage, operating costs & tax
Rent in$1,115/mo
$1,072Collected
$1,072/mo actually reaches you — the other $43 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$943Mortgage$496Costs
Outgoings exceed rent — you top up $324/mo
Mortgage$943
Costs$496
Management$112
Maintenance$67
Insurance$20
CapEx reserve$56
Voids + council tax$5
Ltd co. accounts$104
Tax—
Shortfall−$324
Returns
Return before costson price7.08%
Cash returnon cash-2.91%
Gross margin$577
Cash needed$133,688
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.64
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
$13,380
$5,947
$11,317
$0
$0
-$3,884
-$3,884
Year 2
$13,781
$6,125
$11,317
$0
$0
-$3,661
-$7,545
Year 3
$14,195
$6,309
$11,317
$0
$0
-$3,431
-$10,976
Year 4
$14,621
$6,498
$11,317
$0
$0
-$3,195
-$14,170
Year 5
$15,059
$6,693
$11,317
$0
$0
-$2,951
-$17,121
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
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$134K
25% deposit$47,250
Refurb$82,185
Legal + survey$1,700
Mortgage + broker$3,835
Cash needed$133,688
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