Monthly profit +$345/mo from completion — the no.1 reason to invest
14.88% return before costs — above-market
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
+$345/mo
Pays you every month, net of costs
Price
$129K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$114K
Deposit + fees + refurb
Return before costson price14.88%5-yr return on cash 17%Rent est. $1,600 ($1,504–$1,702)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,504–$1,702/mo · n=33
Financing
DepositYour cash in — the rest is the mortgage25% · $32,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $129,000 asking ($77,400). Raw model: $51,300–$96,370. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $96,750 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
+$345
after mortgage, operating costs & tax
Rent in$1,600/mo
$1,538Collected
$1,538/mo actually reaches you — the other $62 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$644Mortgage$612Costs$345Your profit
$345/mo left as profit · 22% of rent kept
Mortgage$644
Costs$612
Management$160
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$345
Returns
Return before costson price14.88%
Cash returnon cash3.63%
Gross margin$927
Cash needed$113,843
Monthly profit payback27y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.17
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
$19,200
$7,341
$7,724
$0
$786
$3,349
$3,349
Year 2
$19,776
$7,561
$7,724
$0
$853
$3,638
$6,987
Year 3
$20,369
$7,788
$7,724
$0
$923
$3,935
$10,922
Year 4
$20,980
$8,021
$7,724
$0
$995
$4,240
$15,162
Year 5
$21,610
$8,262
$7,724
$0
$1,069
$4,555
$19,717
Year 5 disposal
Disposal gain (gross)-$71,814
CGT$0
Net Disposal proceeds$138,866
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 · 5328.5 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Return before costson price14.88%5-yr return on cash 17%Rent est. $1,600 ($1,504–$1,702)
Bedrooms
3
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,504–$1,702/mo · n=33
Financing
DepositYour cash in — the rest is the mortgage25% · $32,250
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $129,000 asking ($77,400). Raw model: $51,300–$96,370. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,100 legal + $600 survey
Mortgage fees ($)
2% product fee on $96,750 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
+$345
after mortgage, operating costs & tax
Rent in$1,600/mo
$1,538Collected
$1,538/mo actually reaches you — the other $62 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$644Mortgage$612Costs$345Your profit
$345/mo left as profit · 22% of rent kept
Mortgage$644
Costs$612
Management$160
Maintenance$67
Insurance$20
CapEx reserve$80
Voids + council tax$5
Ltd co. accounts$104
Tax—
Profit+$345
Returns
Return before costson price14.88%
Cash returnon cash3.63%
Gross margin$927
Cash needed$113,843
Monthly profit payback27y 7m
Data confidence
Lender stress test
Rent-covers-mortgage check1.17
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
$19,200
$7,341
$7,724
$0
$786
$3,349
$3,349
Year 2
$19,776
$7,561
$7,724
$0
$853
$3,638
$6,987
Year 3
$20,369
$7,788
$7,724
$0
$923
$3,935
$10,922
Year 4
$20,980
$8,021
$7,724
$0
$995
$4,240
$15,162
Year 5
$21,610
$8,262
$7,724
$0
$1,069
$4,555
$19,717
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
$114K
25% deposit$32,250
Refurb$77,400
Legal + survey$1,700
Mortgage + broker$2,935
Cash needed$113,843
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