-16.1% 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
$1.75M
Return before costson price
2.47%
est rent $3,606not enough comparablesRange $3,928–$5,064/mo (Q1–Q3)
Cash needed
$647K
deposit + costs
Monthly profit
−$7K
net of mgmt + voids
5y Return on your cash
-64.3%
after tax
IRR
-16.1%
cash + capital
Rent Range
$3,928–$5,064
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,928–$5,064/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $437,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$7,044
after mortgage, operating costs & tax
Income
Monthly rent+$3,606
After 2wk voids: $3,467/mo
Outgoings
Mortgage-$8,727
Operating costs-$1,923
show breakdown ▾
Management (10% of rent)-$361
CapEx reserve (5% of rent)-$180
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.47%
Cash returnon cash-13.05%
Gross margin$1,545
Cash needed$647,462
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.25
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
$43,272
$23,073
$104,725
$0
$0
-$84,526
-$84,526
Year 2
$44,570
$23,765
$104,725
$0
$0
-$83,920
-$168,446
Year 3
$45,907
$24,478
$104,725
$0
$0
-$83,296
-$251,741
Year 4
$47,284
$25,212
$104,725
$0
$0
-$82,653
-$334,394
Year 5
$48,703
$25,968
$104,725
$0
$0
-$81,991
-$416,385
Year 5 disposal
Disposal gain (gross)-$73,854
CGT$0
Net Disposal proceeds$1,882,761
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 · 8227.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
2.47% Return before costs — around the area average for this property type.
Monthly profit −$7,044/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
$1.7M
vs comparable
Return before costs
2.47%
est rent $3,606/monot enough comparablesRange $3,928–$5,064/mo (Q1–Q3)
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $3,928–$5,064/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $437,250
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
-$7,044
after mortgage, operating costs & tax
Income
Monthly rent+$3,606
After 2wk voids: $3,467/mo
Outgoings
Mortgage-$8,727
Operating costs-$1,923
show breakdown ▾
Management (10% of rent)-$361
CapEx reserve (5% of rent)-$180
Council Tax × voids (2w/yr)-$15
Insurance-$40
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price2.47%
Cash returnon cash-13.05%
Gross margin$1,545
Cash needed$647,462
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.25
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$18,365
Annual rental tax$0
CGT yr 5$0 · company level
5y net total-$416,385
Acquisition costs
$647K
25% deposit$437,250
Refurb$168,935
Legal + survey$3,700
Mortgage + broker$27,235
Cash needed$647,462
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