-14.4% 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
13.82%
est rent $1,267not enough comparables
Cash needed
$96K
deposit + costs
Monthly profit
+$175
net of mgmt + voids
5y Return on your cash
11.1%
after tax
IRR
-14.4%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
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
+$175
after mortgage, operating costs & tax
Income
Monthly rent+$1,267
After 2wk voids: $1,218/mo
Outgoings
Mortgage-$549
Operating costs-$543
show breakdown ▾
Management (10% of rent)-$127
CapEx reserve (5% of rent)-$63
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.82%
Cash returnon cash2.19%
Gross margin$675
Cash needed$95,975
Monthly profit payback45y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.04
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
$15,204
$6,513
$6,586
$0
$400
$1,704
$1,704
Year 2
$15,660
$6,709
$6,586
$0
$449
$1,916
$3,620
Year 3
$16,130
$6,910
$6,586
$0
$500
$2,133
$5,753
Year 4
$16,614
$7,117
$6,586
$0
$553
$2,357
$8,110
Year 5
$17,112
$7,331
$6,586
$0
$607
$2,588
$10,698
Year 5 disposal
Disposal gain (gross)-$61,487
CGT$0
Net Disposal proceeds$118,413
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 7027.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $27,500
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$175
after mortgage, operating costs & tax
Income
Monthly rent+$1,267
After 2wk voids: $1,218/mo
Outgoings
Mortgage-$549
Operating costs-$543
show breakdown ▾
Management (10% of rent)-$127
CapEx reserve (5% of rent)-$63
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price13.82%
Cash returnon cash2.19%
Gross margin$675
Cash needed$95,975
Monthly profit payback45y 8m
Data confidence
Lender stress test
Rent-covers-mortgage check1.04
Rent-covers-mortgage check PASS (target 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$1,155
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$10,698
Acquisition costs
$96K
25% deposit$27,500
Refurb$66,000
Legal + survey$1,700
Mortgage + broker$2,650
Cash needed$95,975
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