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
$265K
Return before costson price
9.20%
est rent $2,032not enough comparablesRange $1,916–$2,155/mo (Q1–Q3)
Cash needed
$174K
deposit + costs
Monthly profit
−$4
net of mgmt + voids
5y Return on your cash
2.2%
after tax
IRR
—
cash + capital
Rent Range
$1,916–$2,155
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,916–$2,155/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $66,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $70,580–$132,040 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $198,675 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$4
after mortgage, operating costs & tax
Rent in$1,954/mo
Where it goes
$1,322$714
Outgoings exceed rent — you top up $4/mo
Mortgage$1,322
Costs$714
Management$203
Maintenance$67
Insurance$28
CapEx reserve$102
Voids + council tax$7
Tax—
Shortfall−$4
Income
Monthly rent+$2,032
After 2wk voids: $1,954/mo
Outgoings
Mortgage-$1,322
Operating costs-$714
show breakdown ▾
Management (10% of rent)-$203
CapEx reserve (5% of rent)-$102
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.20%
Cash returnon cash-0.03%
Gross margin$1,240
Cash needed$174,025
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
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
$24,384
$8,568
$15,861
$0
$0
-$45
-$45
Year 2
$25,116
$8,825
$15,861
$0
$82
$347
$302
Year 3
$25,869
$9,089
$15,861
$0
$174
$744
$1,046
Year 4
$26,645
$9,362
$15,861
$0
$270
$1,151
$2,198
Year 5
$27,444
$9,643
$15,861
$0
$369
$1,571
$3,769
Year 5 disposal
Disposal gain (gross)-$88,499
CGT$0
Net Disposal proceeds$285,159
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 · 5972.1 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
est rent $2,032/monot enough comparablesRange $1,916–$2,155/mo (Q1–Q3)
Bedrooms
4
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,916–$2,155/mo · n=15
Financing
DepositYour cash in — the rest is the mortgage25% · $66,225
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $70,580–$132,040 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $198,675 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$4
after mortgage, operating costs & tax
Rent in$1,954/mo
Where it goes
$1,322$714
Outgoings exceed rent — you top up $4/mo
Mortgage$1,322
Costs$714
Management$203
Maintenance$67
Insurance$28
CapEx reserve$102
Voids + council tax$7
Tax—
Shortfall−$4
Income
Monthly rent+$2,032
After 2wk voids: $1,954/mo
Outgoings
Mortgage-$1,322
Operating costs-$714
show breakdown ▾
Management (10% of rent)-$203
CapEx reserve (5% of rent)-$102
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.20%
Cash returnon cash-0.03%
Gross margin$1,240
Cash needed$174,025
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.86
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
$24,384
$8,568
$15,861
$0
$0
-$45
-$45
Year 2
$25,116
$8,825
$15,861
$0
$82
$347
$302
Year 3
$25,869
$9,089
$15,861
$0
$174
$744
$1,046
Year 4
$26,645
$9,362
$15,861
$0
$270
$1,151
$2,198
Year 5
$27,444
$9,643
$15,861
$0
$369
$1,571
$3,769
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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$174K
25% deposit$66,225
Refurb$101,310
Legal + survey$2,150
Mortgage + broker$4,974
Cash needed$174,025
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Auto-saves
Sources: Zillow · County records · GreatSchools Estimates not financial advice