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
+$86/mo
Barely breaks even each month
Price
$120K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$105K
Deposit + fees + refurb
Return before costson price12.05%5-yr return on cash 6%Rent est. $1,205
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $120,000 asking ($72,000). Raw model: $75,620–$141,400. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $90,000 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
+$86
after mortgage, operating costs & tax
Rent in$1,205/mo
$1,159Collected
$1,159/mo actually reaches you — the other $46 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$520Costs
$86/mo left as profit · 7% of rent kept
Mortgage$599
Costs$520
Management$121
Maintenance$67
Insurance$20
CapEx reserve$60
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$86
Returns
Return before costson price12.05%
Cash returnon cash0.99%
Gross margin$639
Cash needed$104,700
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.95
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
$14,460
$6,241
$7,185
$0
$196
$838
$838
Year 2
$14,894
$6,428
$7,185
$0
$243
$1,037
$1,875
Year 3
$15,341
$6,621
$7,185
$0
$291
$1,243
$3,118
Year 4
$15,801
$6,820
$7,185
$0
$341
$1,455
$4,572
Year 5
$16,275
$7,025
$7,185
$0
$392
$1,673
$6,246
Year 5 disposal
Disposal gain (gross)-$66,923
CGT$0
Net Disposal proceeds$129,177
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 · 6652 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 price12.05%5-yr return on cash 6%Rent est. $1,205
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $30,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $120,000 asking ($72,000). Raw model: $75,620–$141,400. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $90,000 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
+$86
after mortgage, operating costs & tax
Rent in$1,205/mo
$1,159Collected
$1,159/mo actually reaches you — the other $46 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$599Mortgage$520Costs
$86/mo left as profit · 7% of rent kept
Mortgage$599
Costs$520
Management$121
Maintenance$67
Insurance$20
CapEx reserve$60
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$86
Returns
Return before costson price12.05%
Cash returnon cash0.99%
Gross margin$639
Cash needed$104,700
Monthly profit payback100+ yrs
Data confidence
Lender stress test
Rent-covers-mortgage check0.95
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
$14,460
$6,241
$7,185
$0
$196
$838
$838
Year 2
$14,894
$6,428
$7,185
$0
$243
$1,037
$1,875
Year 3
$15,341
$6,621
$7,185
$0
$291
$1,243
$3,118
Year 4
$15,801
$6,820
$7,185
$0
$341
$1,455
$4,572
Year 5
$16,275
$7,025
$7,185
$0
$392
$1,673
$6,246
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
$105K
25% deposit$30,000
Refurb$72,000
Legal + survey$1,700
Mortgage + broker$2,800
Cash needed$104,700
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