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
$580K
Return before costson price
5.29%
est rent $2,557not enough comparablesRange $2,174–$3,007/mo (Q1–Q3)
Cash needed
$337K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-20.3%
after tax
IRR
—
cash + capital
Rent Range
$2,174–$3,007
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,174–$3,007/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $144,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $123,635–$230,435 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $434,925 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,244
after mortgage, operating costs & tax
Rent in$2,459/mo
Where it goes
$2,894$907
Outgoings exceed rent — you top up $1,244/mo
Mortgage$2,894
Costs$907
Management$256
Maintenance$67
Insurance$40
CapEx reserve$128
Voids + council tax$9
Tax—
Shortfall−$1,244
Income
Monthly rent+$2,557
After 2wk voids: $2,459/mo
Outgoings
Mortgage-$2,894
Operating costs-$907
show breakdown ▾
Management (10% of rent)-$256
CapEx reserve (5% of rent)-$128
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.29%
Cash returnon cash-4.43%
Gross margin$1,551
Cash needed$337,204
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.54
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
$30,684
$10,888
$34,723
$0
$0
-$14,927
-$14,927
Year 2
$31,605
$11,215
$34,723
$0
$0
-$14,333
-$29,260
Year 3
$32,553
$11,551
$34,723
$0
$0
-$13,721
-$42,982
Year 4
$33,529
$11,898
$34,723
$0
$0
-$13,091
-$56,073
Year 5
$34,535
$12,255
$34,723
$0
$0
-$12,442
-$68,516
Year 5 disposal
Disposal gain (gross)-$147,183
CGT$0
Net Disposal proceeds$624,250
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 cohort4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
University of Glasgow · 6069.2 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
5.29% Return before costs — around the area average for this property type.
Monthly profit −$1,244/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$580K
Return before costs
5.29%
est rent $2,557/monot enough comparablesRange $2,174–$3,007/mo (Q1–Q3)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,174–$3,007/mo · n=2
Financing
DepositYour cash in — the rest is the mortgage25% · $144,975
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $123,635–$230,435 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,900 legal + $1,000 survey
Mortgage fees ($)
2% product fee on $434,925 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$1,244
after mortgage, operating costs & tax
Rent in$2,459/mo
Where it goes
$2,894$907
Outgoings exceed rent — you top up $1,244/mo
Mortgage$2,894
Costs$907
Management$256
Maintenance$67
Insurance$40
CapEx reserve$128
Voids + council tax$9
Tax—
Shortfall−$1,244
Income
Monthly rent+$2,557
After 2wk voids: $2,459/mo
Outgoings
Mortgage-$2,894
Operating costs-$907
show breakdown ▾
Management (10% of rent)-$256
CapEx reserve (5% of rent)-$128
Council Tax × voids (2w/yr)-$9
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price5.29%
Cash returnon cash-4.43%
Gross margin$1,551
Cash needed$337,204
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.54
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
$30,684
$10,888
$34,723
$0
$0
-$14,927
-$14,927
Year 2
$31,605
$11,215
$34,723
$0
$0
-$14,333
-$29,260
Year 3
$32,553
$11,551
$34,723
$0
$0
-$13,721
-$42,982
Year 4
$33,529
$11,898
$34,723
$0
$0
-$13,091
-$56,073
Year 5
$34,535
$12,255
$34,723
$0
$0
-$12,442
-$68,516
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
Transport detail not loaded for this property.
Acquisition costs
$337K
25% deposit$144,975
Refurb$177,035
Legal + survey$2,900
Mortgage + broker$9,699
Cash needed$337,204
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