Likely sold or withdrawnWe last saw this listing 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
No rent data on file — verify locally before offering.
Why it works
Monthly profit +$585/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
+$585/mo
Pays you every month, net of costs
Price
$40K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$35K
Deposit + fees + refurb
5-yr return on cash 88%Rent est. $1,212 ($1,159–$1,267)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,159–$1,267/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $9,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $39,900 asking ($23,940). Raw model: $56,620–$106,250. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $29,925 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
+$585
after mortgage, operating costs & tax
Rent in$1,212/mo
$1,165Collected
$1,165/mo actually reaches you — the other $47 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$199Mortgage$428Costs$585Your profit
$585/mo left as profit · 50% of rent kept
Mortgage$199
Costs$428
Management$121
Maintenance$67
Insurance$20
CapEx reserve$61
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$585
Returns
Return before costson price36.45%
Cash returnon cash20.00%
Gross margin$738
Cash needed$35,112
Monthly profit payback5y
Data confidence
Lender stress test
Rent-covers-mortgage check2.13
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
$14,544
$5,132
$2,389
$0
$1,334
$5,689
$5,689
Year 2
$14,980
$5,286
$2,389
$0
$1,388
$5,918
$11,607
Year 3
$15,430
$5,444
$2,389
$0
$1,443
$6,154
$17,761
Year 4
$15,893
$5,607
$2,389
$0
$1,500
$6,396
$24,157
Year 5
$16,369
$5,776
$2,389
$0
$1,559
$6,646
$30,803
Year 5 disposal
Disposal gain (gross)-$23,386
CGT$0
Net Disposal proceeds$42,952
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 · 5598.3 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Likely sold or withdrawnWe last saw this listing 91 days ago. It may no longer be available — treat these numbers as a reference and confirm with the listing agent before acting.
10/100
Marginal
No rent data — verify locally before offering.
Monthly profit+$585/mo at 25% deposit @ 5.5%
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$585/mo
Pays you every month, net of costs
Price
$40K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$35K
Deposit + fees + refurb
5-yr return on cash 88%Rent est. $1,212 ($1,159–$1,267)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,159–$1,267/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · $9,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $39,900 asking ($23,940). Raw model: $56,620–$106,250. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $29,925 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
+$585
after mortgage, operating costs & tax
Rent in$1,212/mo
$1,165Collected
$1,165/mo actually reaches you — the other $47 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$199Mortgage$428Costs$585Your profit
$585/mo left as profit · 50% of rent kept
Mortgage$199
Costs$428
Management$121
Maintenance$67
Insurance$20
CapEx reserve$61
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$585
Returns
Return before costson price36.45%
Cash returnon cash20.00%
Gross margin$738
Cash needed$35,112
Monthly profit payback5y
Data confidence
Lender stress test
Rent-covers-mortgage check2.13
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
$14,544
$5,132
$2,389
$0
$1,334
$5,689
$5,689
Year 2
$14,980
$5,286
$2,389
$0
$1,388
$5,918
$11,607
Year 3
$15,430
$5,444
$2,389
$0
$1,443
$6,154
$17,761
Year 4
$15,893
$5,607
$2,389
$0
$1,500
$6,396
$24,157
Year 5
$16,369
$5,776
$2,389
$0
$1,559
$6,646
$30,803
What we verified
3 total
3000
Building condition1▾
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
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Acquisition costs
$35K
25% deposit$9,975
Refurb$23,940
Legal + survey$1,700
Mortgage + broker$1,599
Cash needed$35,112
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