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
$219K
Return before costson price
—
Cash needed
$121K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-70.4%
after tax
IRR
—
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,400
after mortgage, operating costs & tax
Income
Monthly rent+$0
Outgoings
Mortgage-$1,093
Operating costs-$307
show breakdown ▾
Management (10% of rent)-$0
CapEx reserve (5% of rent)-$0
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.00%
Cash returnon cash-13.90%
Gross margin-$307
Cash needed$120,863
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
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
$0
$3,683
$13,113
$0
$0
-$16,797
-$16,797
Year 2
$0
$3,794
$13,113
$0
$0
-$16,907
-$33,704
Year 3
$0
$3,908
$13,113
$0
$0
-$17,021
-$50,724
Year 4
$0
$4,025
$13,113
$0
$0
-$17,138
-$67,862
Year 5
$0
$4,146
$13,113
$0
$0
-$17,259
-$85,121
Year 5 disposal
Disposal gain (gross)-$50,516
CGT$0
Net Disposal proceeds$235,749
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 cohort1 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 5981.8 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
233 E Saint Joseph St Unit 3C, Indianapolis, IN 46202
condo · 1 bed · 1 bath · 803 sqft
$219,000
1 / 19
0/100
Marginal
No rent data — verify locally before offering.
Monthly profit −$1,400/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$219K
vs comparable
Return before costs
—
rent unknown
Bedrooms
1
1 bath
What we verified
3 total
2100
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily let
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
No rent data — verify locally
Financing
DepositYour cash in — the rest is the mortgage25% · $54,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,400
after mortgage, operating costs & tax
Income
Monthly rent+$0
Outgoings
Mortgage-$1,093
Operating costs-$307
show breakdown ▾
Management (10% of rent)-$0
CapEx reserve (5% of rent)-$0
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price0.00%
Cash returnon cash-13.90%
Gross margin-$307
Cash needed$120,863
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.00
Rent-covers-mortgage check FAIL (need ≥ 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)1 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$2,300
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$85,121
Acquisition costs
$121K
25% deposit$54,750
Refurb$61,185
Legal + survey$1,700
Mortgage + broker$4,285
Cash needed$120,863
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