Real 7.94% return before costs but flagged risks need pricing in.
Why it works
7.94% return before costs — above-market
Why to be cautious
Monthly profit −$387/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
−$387/mo
You top up $387/mo
Price
$275K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$243K
Deposit + fees + refurb
Return before costson price7.94%5-yr return on cash -8%Rent est. $1,819 ($1,600–$2,068)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,068/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $68,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $274,900 asking ($164,940). Raw model: $94,730–$176,890. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $206,175 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
-$387
after mortgage, operating costs & tax
Rent in$1,819/mo
$1,749Collected
$1,749/mo actually reaches you — the other $70 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,372Mortgage$834Costs
Outgoings exceed rent — you top up $387/mo
Mortgage$1,372
Costs$834
Management$182
Maintenance$67
Insurance$28
CapEx reserve$91
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$387
Returns
Return before costson price7.94%
Cash returnon cash-1.91%
Gross margin$915
Cash needed$242,599
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
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
$21,828
$10,010
$16,460
$0
$0
-$4,642
-$4,642
Year 2
$22,483
$10,310
$16,460
$0
$0
-$4,287
-$8,929
Year 3
$23,157
$10,619
$16,460
$0
$0
-$3,922
-$12,852
Year 4
$23,852
$10,938
$16,460
$0
$0
-$3,546
-$16,398
Year 5
$24,568
$11,266
$16,460
$0
$0
-$3,159
-$19,556
Year 5 disposal
Disposal gain (gross)-$151,564
CGT$0
Net Disposal proceeds$295,924
What we verified
What we verified
2 total · click to expand
11001 ok · 1 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort5 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 5325.7 km
Reason
5-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price7.94%5-yr return on cash -8%Rent est. $1,819 ($1,600–$2,068)
Bedrooms
5
— bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,600–$2,068/mo · n=13
Financing
DepositYour cash in — the rest is the mortgage25% · $68,725
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $274,900 asking ($164,940). Raw model: $94,730–$176,890. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $206,175 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
-$387
after mortgage, operating costs & tax
Rent in$1,819/mo
$1,749Collected
$1,749/mo actually reaches you — the other $70 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$1,372Mortgage$834Costs
Outgoings exceed rent — you top up $387/mo
Mortgage$1,372
Costs$834
Management$182
Maintenance$67
Insurance$28
CapEx reserve$91
Voids + council tax$7
Ltd co. accounts$104
Tax—
Shortfall−$387
Returns
Return before costson price7.94%
Cash returnon cash-1.91%
Gross margin$915
Cash needed$242,599
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
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
$21,828
$10,010
$16,460
$0
$0
-$4,642
-$4,642
Year 2
$22,483
$10,310
$16,460
$0
$0
-$4,287
-$8,929
Year 3
$23,157
$10,619
$16,460
$0
$0
-$3,922
-$12,852
Year 4
$23,852
$10,938
$16,460
$0
$0
-$3,546
-$16,398
Year 5
$24,568
$11,266
$16,460
$0
$0
-$3,159
-$19,556
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicRent by the room / sharers
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$243K
25% deposit$68,725
Refurb$164,940
Legal + survey$2,150
Mortgage + broker$5,124
Cash needed$242,599
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