Monthly profit +$580/mo from completion — the no.1 reason to invest
18.26% return before costs — above-market
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
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
+$580/mo
Pays you every month, net of costs
Price
$110K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$96K
Deposit + fees + refurb
Return before costson price18.26%5-yr return on cash 33%Rent est. $1,672 ($960–$1,656)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $960–$1,656/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $27,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $109,900 asking ($65,940). Raw model: $56,930–$106,690. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $82,425 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
+$580
after mortgage, operating costs & tax
Rent in$1,672/mo
$1,608Collected
$1,608/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$548Mortgage$544Costs$580Your profit
$580/mo left as profit · 36% of rent kept
Mortgage$548
Costs$544
Management$167
Maintenance$67
Insurance$20
CapEx reserve$84
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$580
Returns
Return before costson price18.26%
Cash returnon cash7.26%
Gross margin$1,064
Cash needed$95,888
Monthly profit payback13y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.51
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
$20,064
$6,526
$6,581
$0
$1,322
$5,635
$5,635
Year 2
$20,666
$6,722
$6,581
$0
$1,399
$5,964
$11,599
Year 3
$21,286
$6,924
$6,581
$0
$1,478
$6,304
$17,903
Year 4
$21,924
$7,131
$6,581
$0
$1,560
$6,652
$24,555
Year 5
$22,582
$7,345
$6,581
$0
$1,645
$7,011
$31,567
Year 5 disposal
Disposal gain (gross)-$61,433
CGT$0
Net Disposal proceeds$118,305
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 cohort2 bed
Primary profile
Mixed demand
Nearest university
for student-let assessment
University of Glasgow · 6043.6 km
Reason
Mixed-demand area without a single dominant tenant cohort. Local lettings agent can clarify.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
18.26% Return before costs — above-market
Monthly cashflow
+$580/mo
Pays you every month, net of costs
Price
$110K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$96K
Deposit + fees + refurb
Return before costson price18.26%5-yr return on cash 33%Rent est. $1,672 ($960–$1,656)
Bedrooms
2
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $960–$1,656/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $27,475
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $109,900 asking ($65,940). Raw model: $56,930–$106,690. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $82,425 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
+$580
after mortgage, operating costs & tax
Rent in$1,672/mo
$1,608Collected
$1,608/mo actually reaches you — the other $64 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$548Mortgage$544Costs$580Your profit
$580/mo left as profit · 36% of rent kept
Mortgage$548
Costs$544
Management$167
Maintenance$67
Insurance$20
CapEx reserve$84
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$580
Returns
Return before costson price18.26%
Cash returnon cash7.26%
Gross margin$1,064
Cash needed$95,888
Monthly profit payback13y 10m
Data confidence
Lender stress test
Rent-covers-mortgage check1.51
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
$20,064
$6,526
$6,581
$0
$1,322
$5,635
$5,635
Year 2
$20,666
$6,722
$6,581
$0
$1,399
$5,964
$11,599
Year 3
$21,286
$6,924
$6,581
$0
$1,478
$6,304
$17,903
Year 4
$21,924
$7,131
$6,581
$0
$1,560
$6,652
$24,555
Year 5
$22,582
$7,345
$6,581
$0
$1,645
$7,011
$31,567
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
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$96K
25% deposit$27,475
Refurb$65,940
Legal + survey$1,700
Mortgage + broker$2,649
Cash needed$95,888
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