Monthly profit +$587/mo from completion — the no.1 reason to invest
11.58% return before costs — above-market
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
+$587/mo
Pays you every month, net of costs
Price
$460K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$265K
Deposit + fees + refurb
Return before costson price11.58%5-yr return on cash 14%Rent est. $4,438 ($3,601–$5,470)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,601–$5,470/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $114,944
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $94,480–$176,290 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $344,832.75 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
+$587
after mortgage, operating costs & tax
Rent in$4,438/mo
$4,267Collected
$4,267/mo actually reaches you — the other $171 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,294Mortgage$1,557Costs
$587/mo left as profit · 14% of rent kept
Mortgage$2,294
Costs$1,557
Management$444
Maintenance$67
Insurance$40
CapEx reserve$222
Voids + council tax$9
Ltd co. accounts$104
Tax—
Profit+$587
Returns
Return before costson price11.58%
Cash returnon cash2.65%
Gross margin$2,710
Cash needed$265,272
Monthly profit payback37y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.03
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
$53,256
$18,687
$27,530
$0
$1,337
$5,701
$5,701
Year 2
$54,854
$19,248
$27,530
$0
$1,534
$6,542
$12,243
Year 3
$56,499
$19,825
$27,530
$0
$1,737
$7,407
$19,650
Year 4
$58,194
$20,420
$27,530
$0
$1,946
$8,298
$27,948
Year 5
$59,940
$21,033
$27,530
$0
$2,162
$9,215
$37,163
Year 5 disposal
Disposal gain (gross)-$111,568
CGT$0
Net Disposal proceeds$494,940
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 · 5275.8 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Return before costson price11.58%5-yr return on cash 14%Rent est. $4,438 ($3,601–$5,470)
Bedrooms
4
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,601–$5,470/mo · n=6
Financing
DepositYour cash in — the rest is the mortgage25% · $114,944
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $94,480–$176,290 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $344,832.75 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
+$587
after mortgage, operating costs & tax
Rent in$4,438/mo
$4,267Collected
$4,267/mo actually reaches you — the other $171 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,294Mortgage$1,557Costs
$587/mo left as profit · 14% of rent kept
Mortgage$2,294
Costs$1,557
Management$444
Maintenance$67
Insurance$40
CapEx reserve$222
Voids + council tax$9
Ltd co. accounts$104
Tax—
Profit+$587
Returns
Return before costson price11.58%
Cash returnon cash2.65%
Gross margin$2,710
Cash needed$265,272
Monthly profit payback37y 9m
Data confidence
Lender stress test
Rent-covers-mortgage check1.03
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
$53,256
$18,687
$27,530
$0
$1,337
$5,701
$5,701
Year 2
$54,854
$19,248
$27,530
$0
$1,534
$6,542
$12,243
Year 3
$56,499
$19,825
$27,530
$0
$1,737
$7,407
$19,650
Year 4
$58,194
$20,420
$27,530
$0
$1,946
$8,298
$27,948
Year 5
$59,940
$21,033
$27,530
$0
$2,162
$9,215
$37,163
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
$265K
25% deposit$114,944
Refurb$135,385
Legal + survey$2,150
Mortgage + broker$7,897
Cash needed$265,272
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