No rent data on file — verify locally before offering.
Why it works
Monthly profit +$2,069/mo from completion — the no.1 reason to invest
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
+$2K/mo
Pays you every month, net of costs
Price
$7K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$7K
Deposit + fees + refurb
5-yr return on cash 1607%Rent est. $2,795
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,874
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $7,495 asking ($4,497). Raw model: $42,340–$79,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $5,621.25 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,069
after mortgage, operating costs & tax
Rent in$2,795/mo
$2,688Collected
$2,688/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$689Costs$2,069Your profit
$2,069/mo left as profit · 77% of rent kept
Mortgage$37
Costs$689
Management$280
Maintenance$67
Insurance$20
CapEx reserve$140
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,069
Returns
Return before costson price447.50%
Cash returnon cash373.24%
Gross margin$1,999
Cash needed$6,651
Monthly profit payback4m
Data confidence
Lender stress test
Rent-covers-mortgage check9.81
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
$33,540
$8,266
$449
$0
$4,717
$20,109
$20,109
Year 2
$34,546
$8,514
$449
$0
$4,861
$20,723
$40,831
Year 3
$35,583
$8,769
$449
$0
$5,009
$21,356
$62,187
Year 4
$36,650
$9,032
$449
$0
$5,162
$22,007
$84,194
Year 5
$37,750
$9,303
$449
$0
$5,320
$22,678
$106,872
Year 5 disposal
Disposal gain (gross)-$6,074
CGT$0
Net Disposal proceeds$8,068
What we verified
What we verified
2 total · click to expand
10011 ok · 0 caution · 0 fail · 1 unknown
Investor
Tenant profileUnknownRefurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
1-bed · 1-bath · 800 sqft
$22k–$42k
$ per sqft
building cost only
$27–$53
Per-item breakdown (4 lines)
Kitchen · Full unit replacement$3,840–$8,640
1 × bathroom · Full strip + retile$3,325–$6,650
Paint + decor$5,600–$10,400
Flooring · Carpet on bedrooms + LVT/laminate downstairs$8,800–$16,800
Guide rates · UK May 2026
Tier-based bands — get a builder quote before exchanging.
Price & sale history219d on marketno cuts yet
Strategy matrix
Compare 4 strategies side-by-side · best shown with ⭐
⭐Rent it out wins — +$2,069/mo · level with Refurb & refinance
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
⭐ Rent it out
447.50%
+$2,069
$6,651
1606.8%
Low
Feasible
Refurb & refinance
447.50%
+$2,069
$8,150
1311.3%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-$162
$13,603
-62%
Med
Feasible
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Comparables
sold within 0.5 mi
Acquisition costs
$6,651cash needed
Purchase price$7,495
Deposit (25%)$1,874
Refurb$4,497
Legal + survey$2,000
Mortgage fees$1,112
Total cash neededdeposit + costs (loan covers the rest)$6,651
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Transfer tax at this price
State: NH
Effective rate1.50%
Total at sale$112
Flat 1.50% transfer tax
About this propertydescription · zillowListing metazillow
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Monthly cashflow
+$2K/mo
Pays you every month, net of costs
Price
$7K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$7K
Deposit + fees + refurb
5-yr return on cash 1607%Rent est. $2,795
Bedrooms
1
1 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from few comparables — verify.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,874
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $7,495 asking ($4,497). Raw model: $42,340–$79,730. Verify with a surveyor before offering.
Legal + survey ($)
Leasehold flat — $1,500 legal + $500 survey
Mortgage fees ($)
2% product fee on $5,621.25 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)
Semi/flat: $67/mo proxy
Result · Rent it out
Monthly profit
+$2,069
after mortgage, operating costs & tax
Rent in$2,795/mo
$2,688Collected
$2,688/mo actually reaches you — the other $108 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$689Costs$2,069Your profit
$2,069/mo left as profit · 77% of rent kept
Mortgage$37
Costs$689
Management$280
Maintenance$67
Insurance$20
CapEx reserve$140
Voids + council tax$5
Service charge + ground rent$175
Ltd co. accounts$104
Tax—
Profit+$2,069
Returns
Return before costson price447.50%
Cash returnon cash373.24%
Gross margin$1,999
Cash needed$6,651
Monthly profit payback4m
Data confidence
Lender stress test
Rent-covers-mortgage check9.81
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
$33,540
$8,266
$449
$0
$4,717
$20,109
$20,109
Year 2
$34,546
$8,514
$449
$0
$4,861
$20,723
$40,831
Year 3
$35,583
$8,769
$449
$0
$5,009
$21,356
$62,187
Year 4
$36,650
$9,032
$449
$0
$5,162
$22,007
$84,194
Year 5
$37,750
$9,303
$449
$0
$5,320
$22,678
$106,872
What we verified
3 total
1101
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicUnknown
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Acquisition costs
$7K
25% deposit$1,874
Refurb$4,497
Legal + survey$2,000
Mortgage + broker$1,112
Cash needed$6,651
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