Monthly profit +$935/mo from completion — the no.1 reason to invest
18.46% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
-7.1% 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
$160K
Return before costson price
18.46%
est rent $2,462not enough comparablesRange $1,770–$2,573/mo (Q1–Q3)
Cash needed
$140K
deposit + costs
Monthly profit
+$935
net of mgmt + voids
5y Return on your cash
36.3%
after tax
IRR
-7.1%
cash + capital
Rent Range
$1,770–$2,573
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,770–$2,573/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $40,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$935
after mortgage, operating costs & tax
Income
Monthly rent+$2,462
After 2wk voids: $2,367/mo
Outgoings
Mortgage-$798
Operating costs-$729
show breakdown ▾
Management (10% of rent)-$246
CapEx reserve (5% of rent)-$123
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price18.46%
Cash returnon cash8.04%
Gross margin$1,639
Cash needed$139,600
Monthly profit payback12y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.62
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$29,544
$8,744
$9,580
$0
$2,132
$9,088
$9,088
Year 2
$30,430
$9,006
$9,580
$0
$2,250
$9,594
$18,682
Year 3
$31,343
$9,276
$9,580
$0
$2,372
$10,114
$28,796
Year 4
$32,284
$9,555
$9,580
$0
$2,498
$10,650
$39,446
Year 5
$33,252
$9,841
$9,580
$0
$2,628
$11,202
$50,649
Year 5 disposal
Disposal gain (gross)-$88,663
CGT$0
Net Disposal proceeds$172,237
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 cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 5963.9 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
18.46% Return before costs — above-market
Price
$160K
vs comparable
Return before costs
18.46%
est rent $2,462/monot enough comparablesRange $1,770–$2,573/mo (Q1–Q3)
Bedrooms
3
4 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,770–$2,573/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $40,000
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$935
after mortgage, operating costs & tax
Income
Monthly rent+$2,462
After 2wk voids: $2,367/mo
Outgoings
Mortgage-$798
Operating costs-$729
show breakdown ▾
Management (10% of rent)-$246
CapEx reserve (5% of rent)-$123
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price18.46%
Cash returnon cash8.04%
Gross margin$1,639
Cash needed$139,600
Monthly profit payback12y 6m
Data confidence
Lender stress test
Rent-covers-mortgage check1.62
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 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$1,680
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$50,649
Acquisition costs
$140K
25% deposit$40,000
Refurb$96,000
Legal + survey$1,700
Mortgage + broker$3,400
Cash needed$139,600
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