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
$315K
Return before costson price
9.22%
est rent $2,420not enough comparablesRange $2,204–$2,657/mo (Q1–Q3)
Cash needed
$278K
deposit + costs
Monthly profit
−$149
net of mgmt + voids
5y Return on your cash
-1.3%
after tax
IRR
—
cash + capital
Rent Range
$2,204–$2,657
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,204–$2,657/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $315,000 asking ($189,000). Raw model: $104,040–$194,180. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $236,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$149
after mortgage, operating costs & tax
Rent in$2,327/mo
Where it goes
$1,572$997
Outgoings exceed rent — you top up $149/mo
Mortgage$1,572
Costs$997
Management$242
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Tax—
Shortfall−$149
Income
Monthly rent+$2,420
After 2wk voids: $2,327/mo
Outgoings
Mortgage-$1,572
Operating costs-$997
show breakdown ▾
Management (10% of rent)-$242
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.22%
Cash returnon cash-0.64%
Gross margin$1,330
Cash needed$277,988
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$29,040
$11,966
$18,861
$0
$0
-$1,788
-$1,788
Year 2
$29,911
$12,325
$18,861
$0
$0
-$1,276
-$3,063
Year 3
$30,809
$12,695
$18,861
$0
$0
-$748
-$3,811
Year 4
$31,733
$13,076
$18,861
$0
$0
-$205
-$4,016
Year 5
$32,685
$13,468
$18,861
$0
$67
$288
-$3,728
Year 5 disposal
Disposal gain (gross)-$173,359
CGT$0
Net Disposal proceeds$339,091
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 · 5375.2 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $2,420/monot enough comparablesRange $2,204–$2,657/mo (Q1–Q3)
Bedrooms
3
2 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $2,204–$2,657/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · $78,750
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Capped at 60% of $315,000 asking ($189,000). Raw model: $104,040–$194,180. Verify with a surveyor before offering.
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $236,250 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 $200K–$400K
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$149
after mortgage, operating costs & tax
Rent in$2,327/mo
Where it goes
$1,572$997
Outgoings exceed rent — you top up $149/mo
Mortgage$1,572
Costs$997
Management$242
Maintenance$67
Insurance$28
CapEx reserve$121
Voids + council tax$7
Tax—
Shortfall−$149
Income
Monthly rent+$2,420
After 2wk voids: $2,327/mo
Outgoings
Mortgage-$1,572
Operating costs-$997
show breakdown ▾
Management (10% of rent)-$242
CapEx reserve (5% of rent)-$121
Council Tax × voids (2w/yr)-$7
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price9.22%
Cash returnon cash-0.64%
Gross margin$1,330
Cash needed$277,988
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.80
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.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$29,040
$11,966
$18,861
$0
$0
-$1,788
-$1,788
Year 2
$29,911
$12,325
$18,861
$0
$0
-$1,276
-$3,063
Year 3
$30,809
$12,695
$18,861
$0
$0
-$748
-$3,811
Year 4
$31,733
$13,076
$18,861
$0
$0
-$205
-$4,016
Year 5
$32,685
$13,468
$18,861
$0
$67
$288
-$3,728
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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Acquisition costs
$278K
25% deposit$78,750
Refurb$189,000
Legal + survey$2,150
Mortgage + broker$5,725
Cash needed$277,988
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