No rent data on file — verify locally before offering.
Why it works
Monthly profit +$537/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 →
Monthly cashflow
+$537/mo
Pays you every month, net of costs
Price
$37K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$32K
Deposit + fees + refurb
5-yr return on cash 87%Rent est. $1,134 ($964–$1,334)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $964–$1,334/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $9,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $37,000 asking ($22,200). Raw model: $64,180–$120,290. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $27,750 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
+$537
after mortgage, operating costs & tax
Rent in$1,134/mo
$1,090Collected
$1,090/mo actually reaches you — the other $44 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$185Mortgage$412Costs$537Your profit
$537/mo left as profit · 49% of rent kept
Mortgage$185
Costs$412
Management$113
Maintenance$67
Insurance$20
CapEx reserve$57
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$537
Returns
Return before costson price36.78%
Cash returnon cash19.93%
Gross margin$678
Cash needed$32,342
Monthly profit payback5y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check2.07
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
$13,608
$4,946
$2,215
$0
$1,225
$5,222
$5,222
Year 2
$14,016
$5,094
$2,215
$0
$1,274
$5,433
$10,655
Year 3
$14,437
$5,247
$2,215
$0
$1,325
$5,650
$16,304
Year 4
$14,870
$5,404
$2,215
$0
$1,378
$5,872
$22,177
Year 5
$15,316
$5,566
$2,215
$0
$1,432
$6,102
$28,279
Year 5 disposal
Disposal gain (gross)-$21,810
CGT$0
Net Disposal proceeds$39,830
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 · 6196.6 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
Monthly cashflow
+$537/mo
Pays you every month, net of costs
Price
$37K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$32K
Deposit + fees + refurb
5-yr return on cash 87%Rent est. $1,134 ($964–$1,334)
Bedrooms
2
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $964–$1,334/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $9,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $37,000 asking ($22,200). Raw model: $64,180–$120,290. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $27,750 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
+$537
after mortgage, operating costs & tax
Rent in$1,134/mo
$1,090Collected
$1,090/mo actually reaches you — the other $44 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$185Mortgage$412Costs$537Your profit
$537/mo left as profit · 49% of rent kept
Mortgage$185
Costs$412
Management$113
Maintenance$67
Insurance$20
CapEx reserve$57
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$537
Returns
Return before costson price36.78%
Cash returnon cash19.93%
Gross margin$678
Cash needed$32,342
Monthly profit payback5y 1m
Data confidence
Lender stress test
Rent-covers-mortgage check2.07
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
$13,608
$4,946
$2,215
$0
$1,225
$5,222
$5,222
Year 2
$14,016
$5,094
$2,215
$0
$1,274
$5,433
$10,655
Year 3
$14,437
$5,247
$2,215
$0
$1,325
$5,650
$16,304
Year 4
$14,870
$5,404
$2,215
$0
$1,378
$5,872
$22,177
Year 5
$15,316
$5,566
$2,215
$0
$1,432
$6,102
$28,279
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
$32K
25% deposit$9,250
Refurb$22,200
Legal + survey$1,700
Mortgage + broker$1,555
Cash needed$32,342
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice