Monthly profit −$484/mo — significantly negative — real recurring drain
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
−$484/mo
You top up $484/mo
Price
$484K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$341K
Deposit + fees + refurb
Return before costson price6.85%5-yr return on cash -6%Rent est. $2,763 ($1,882–$1,910)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,882–$1,910/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $121,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $145,475–$270,995 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $363,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$484
after mortgage, operating costs & tax
Rent in$2,763/mo
$2,657Collected
$2,657/mo actually reaches you — the other $106 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,415Mortgage$832Costs
Outgoings exceed rent — you top up $484/mo
Mortgage$2,415
Costs$832
Management$276
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$9
Ltd co. accounts$104
Tax—
Shortfall−$484
Returns
Return before costson price6.85%
Cash returnon cash-1.71%
Gross margin$1,825
Cash needed$340,609
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
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
$33,156
$9,985
$28,981
$0
$0
-$5,809
-$5,809
Year 2
$34,151
$10,284
$28,981
$0
$0
-$5,114
-$10,923
Year 3
$35,175
$10,593
$28,981
$0
$0
-$4,398
-$15,321
Year 4
$36,230
$10,910
$28,981
$0
$0
-$3,661
-$18,982
Year 5
$37,317
$11,238
$28,981
$0
$0
-$2,901
-$21,883
Year 5 disposal
Disposal gain (gross)-$183,049
CGT$0
Net Disposal proceeds$521,016
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 · 6523.4 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
6.85% Return before costs — around the area average for this property type.
Monthly profit −$484/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Monthly cashflow
−$484/mo
You top up $484/mo
Price
$484K
No local sold comps to compare
Return · IRR
—
Not modelled
Cash to get in
$341K
Deposit + fees + refurb
Return before costson price6.85%5-yr return on cash -6%Rent est. $2,763 ($1,882–$1,910)
Bedrooms
3
3 bath
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,882–$1,910/mo
Financing
DepositYour cash in — the rest is the mortgage25% · $121,000
5%100% (cash buy)
Standard 75% LTV for rental
Mortgage rate5y fixed7.0%
3.0%9.0%
5-year fixed (market average) — 7.00% (as of 2026-05).
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Fed base + 2pp stress (8.0%)
Acquisition costs
Refurb ($)
Tiered estimate (full refurb): $145,475–$270,995 range from $/sqft + per-room model
Legal + survey ($)
Standard house — $1,400 legal + $750 survey
Mortgage fees ($)
2% product fee on $363,000 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 $400K+
Maintenance ($/mo)
Default $67/mo — type unknown
Result · Rent it out
Monthly profit
-$484
after mortgage, operating costs & tax
Rent in$2,763/mo
$2,657Collected
$2,657/mo actually reaches you — the other $106 is lost to voids: the weeks a rental sits empty between tenants, when no rent comes in.
Where it goes
$2,415Mortgage$832Costs
Outgoings exceed rent — you top up $484/mo
Mortgage$2,415
Costs$832
Management$276
Maintenance$67
Insurance$40
CapEx reserve$138
Voids + council tax$9
Ltd co. accounts$104
Tax—
Shortfall−$484
Returns
Return before costson price6.85%
Cash returnon cash-1.71%
Gross margin$1,825
Cash needed$340,609
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check0.71
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
$33,156
$9,985
$28,981
$0
$0
-$5,809
-$5,809
Year 2
$34,151
$10,284
$28,981
$0
$0
-$5,114
-$10,923
Year 3
$35,175
$10,593
$28,981
$0
$0
-$4,398
-$15,321
Year 4
$36,230
$10,910
$28,981
$0
$0
-$3,661
-$18,982
Year 5
$37,317
$11,238
$28,981
$0
$0
-$2,901
-$21,883
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
$341K
25% deposit$121,000
Refurb$208,235
Legal + survey$2,150
Mortgage + broker$8,260
Cash needed$340,609
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