-6.5% 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
$1.05M
Return before costson price
6.74%
est rent $5,895not enough comparablesRange $3,891–$5,682/mo (Q1–Q3)
Cash needed
$405K
deposit + costs
Monthly profit
−$1K
net of mgmt + voids
5y Return on your cash
-15.0%
after tax
IRR
-6.5%
cash + capital
Rent Range
$3,891–$5,682
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,891–$5,682/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $262,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,256
after mortgage, operating costs & tax
Income
Monthly rent+$5,895
After 2wk voids: $5,668/mo
Outgoings
Mortgage-$5,234
Operating costs-$1,917
show breakdown ▾
Management (10% of rent)-$590
CapEx reserve (5% of rent)-$295
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.74%
Cash returnon cash-3.72%
Gross margin$3,752
Cash needed$404,942
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$70,740
$22,999
$62,811
$0
$0
-$15,070
-$15,070
Year 2
$72,862
$23,689
$62,811
$0
$0
-$13,638
-$28,709
Year 3
$75,048
$24,400
$62,811
$0
$0
-$12,163
-$40,872
Year 4
$77,300
$25,132
$62,811
$0
$0
-$10,644
-$51,515
Year 5
$79,618
$25,886
$62,811
$0
$0
-$9,079
-$60,594
Year 5 disposal
Disposal gain (gross)-$62,389
CGT$0
Net Disposal proceeds$1,129,226
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 · 8245.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
1417 S Westgate Ave APT 201, Los Angeles, CA 90025
condo · 3 bed · 3 bath · 1,615 sqft
$1,049,000
est $5,895 · 6.74% gross
1 / 39
37/100
Marginal
6.74% — verify the rent + comps locally.
6.74% Return before costs — around the area average for this property type.
Monthly profit −$1,256/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$1.0M
vs comparable
Return before costs
6.74%
est rent $5,895/monot enough comparablesRange $3,891–$5,682/mo (Q1–Q3)
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,891–$5,682/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $262,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$1,256
after mortgage, operating costs & tax
Income
Monthly rent+$5,895
After 2wk voids: $5,668/mo
Outgoings
Mortgage-$5,234
Operating costs-$1,917
show breakdown ▾
Management (10% of rent)-$590
CapEx reserve (5% of rent)-$295
Council Tax × voids (2w/yr)-$12
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price6.74%
Cash returnon cash-3.72%
Gross margin$3,752
Cash needed$404,942
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.68
Rent-covers-mortgage check FAIL (need ≥ 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
Loading map…
PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$11,015
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$60,594
Acquisition costs
$405K
25% deposit$262,250
Refurb$117,935
Legal + survey$3,700
Mortgage + broker$16,735
Cash needed$404,942
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