-13.5% 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
$899K
Return before costson price
3.60%
est rent $2,695not enough comparablesRange $2,711–$3,543/mo (Q1–Q3)
Cash needed
$330K
deposit + costs
Monthly profit
−$3K
net of mgmt + voids
5y Return on your cash
-53.1%
after tax
IRR
-13.5%
cash + capital
Rent Range
$2,711–$3,543
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,711–$3,543/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $224,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$3,011
after mortgage, operating costs & tax
Income
Monthly rent+$2,695
After 2wk voids: $2,591/mo
Outgoings
Mortgage-$4,486
Operating costs-$1,220
show breakdown ▾
Management (10% of rent)-$270
CapEx reserve (5% of rent)-$135
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.60%
Cash returnon cash-10.95%
Gross margin$1,372
Cash needed$330,077
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.36
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$32,340
$14,637
$53,830
$0
$0
-$36,127
-$36,127
Year 2
$33,310
$15,076
$53,830
$0
$0
-$35,596
-$71,723
Year 3
$34,310
$15,529
$53,830
$0
$0
-$35,049
-$106,772
Year 4
$35,339
$15,995
$53,830
$0
$0
-$34,485
-$141,257
Year 5
$36,399
$16,474
$53,830
$0
$0
-$33,905
-$175,162
Year 5 disposal
Disposal gain (gross)-$36,236
CGT$0
Net Disposal proceeds$967,754
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Aberdeen · 8096.9 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
88 E San Fernando St Unit 1905, San Jose, CA 95113
condo · 2 bed · 2 bath · 1,100 sqft
$899,000
est $2,695 · 3.60% gross
1 / 47
6/100
Marginal
3.60% — verify the rent + comps locally.
3.60% Return before costs — around the area average for this property type.
Monthly profit −$3,011/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$899K
vs comparable
Return before costs
3.60%
est rent $2,695/monot enough comparablesRange $2,711–$3,543/mo (Q1–Q3)
Bedrooms
2
2 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,711–$3,543/mo · n=7
Financing
DepositYour cash in — the rest is the mortgage25% · $224,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$3,011
after mortgage, operating costs & tax
Income
Monthly rent+$2,695
After 2wk voids: $2,591/mo
Outgoings
Mortgage-$4,486
Operating costs-$1,220
show breakdown ▾
Management (10% of rent)-$270
CapEx reserve (5% of rent)-$135
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price3.60%
Cash returnon cash-10.95%
Gross margin$1,372
Cash needed$330,077
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.36
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)2 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$9,440
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$175,162
Acquisition costs
$330K
25% deposit$224,750
Refurb$84,110
Legal + survey$2,900
Mortgage + broker$14,485
Cash needed$330,077
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