No rent data on file — verify locally before offering.
Why it works
Monthly profit +$715/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
+$715/mo
Pays you every month, net of costs
Price
$950
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$836
Deposit + fees + refurb
5-yr return on cash 4413%Rent est. $1,072
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $238
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $950 asking ($570). Raw model: $45,840–$86,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $712.5 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
+$715
after mortgage, operating costs & tax
Rent in$1,072/mo
$1,031Collected
$1,031/mo actually reaches you — the other $41 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$353Costs$715Your profit
$715/mo left as profit · 69% of rent kept
Mortgage$5
Costs$353
Management$107
Maintenance$67
Insurance$20
CapEx reserve$54
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$715
Returns
Return before costson price1354.11%
Cash returnon cash1025.79%
Gross margin$678
Cash needed$836
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check4.83
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
$12,864
$4,233
$57
$0
$1,629
$6,945
$6,945
Year 2
$13,250
$4,360
$57
$0
$1,678
$7,155
$14,100
Year 3
$13,647
$4,491
$57
$0
$1,729
$7,371
$21,471
Year 4
$14,057
$4,625
$57
$0
$1,781
$7,594
$29,065
Year 5
$14,479
$4,764
$57
$0
$1,835
$7,823
$36,887
Year 5 disposal
Disposal gain (gross)-$2,216
CGT$0
Net Disposal proceeds$1,023
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 cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6663.7 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
+$715/mo
Pays you every month, net of costs
Price
$950
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$836
Deposit + fees + refurb
5-yr return on cash 4413%Rent est. $1,072
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $238
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $950 asking ($570). Raw model: $45,840–$86,230. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $712.5 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
+$715
after mortgage, operating costs & tax
Rent in$1,072/mo
$1,031Collected
$1,031/mo actually reaches you — the other $41 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$353Costs$715Your profit
$715/mo left as profit · 69% of rent kept
Mortgage$5
Costs$353
Management$107
Maintenance$67
Insurance$20
CapEx reserve$54
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$715
Returns
Return before costson price1354.11%
Cash returnon cash1025.79%
Gross margin$678
Cash needed$836
Monthly profit payback2m
Data confidence
Lender stress test
Rent-covers-mortgage check4.83
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
$12,864
$4,233
$57
$0
$1,629
$6,945
$6,945
Year 2
$13,250
$4,360
$57
$0
$1,678
$7,155
$14,100
Year 3
$13,647
$4,491
$57
$0
$1,729
$7,371
$21,471
Year 4
$14,057
$4,625
$57
$0
$1,781
$7,594
$29,065
Year 5
$14,479
$4,764
$57
$0
$1,835
$7,823
$36,887
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
$836
25% deposit$238
Refurb$570
Legal + survey$1,700
Mortgage + broker$1,014
Cash needed$836
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