Monthly profit +$345/mo from completion — the no.1 reason to invest
12.95% return before costs — above-market
Why to be cautious
-9.0% 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
$259K
Return before costson price
12.95%
est rent $2,795not enough comparablesRange $1,831–$3,198/mo (Q1–Q3)
Cash needed
$165K
deposit + costs
Monthly profit
+$345
net of mgmt + voids
5y Return on your cash
13.1%
after tax
IRR
-9.0%
cash + capital
Rent Range
$1,831–$3,198
Q1–Q3 of comps
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,831–$3,198/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $64,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$345
after mortgage, operating costs & tax
Income
Monthly rent+$2,795
After 2wk voids: $2,688/mo
Outgoings
Mortgage-$1,292
Operating costs-$1,158
show breakdown ▾
Management (10% of rent)-$280
CapEx reserve (5% of rent)-$140
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price12.95%
Cash returnon cash2.51%
Gross margin$1,529
Cash needed$164,947
Monthly profit payback39y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.02
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.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$33,540
$13,897
$15,508
$0
$786
$3,349
$3,349
Year 2
$34,546
$14,314
$15,508
$0
$898
$3,826
$7,175
Year 3
$35,583
$14,743
$15,508
$0
$1,013
$4,318
$11,494
Year 4
$36,650
$15,185
$15,508
$0
$1,132
$4,825
$16,318
Year 5
$37,750
$15,641
$15,508
$0
$1,254
$5,346
$21,665
Year 5 disposal
Disposal gain (gross)-$81,632
CGT$0
Net Disposal proceeds$278,808
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 · 5905 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
est rent $2,795/monot enough comparablesRange $1,831–$3,198/mo (Q1–Q3)
Bedrooms
3
2 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Local comp range: $1,831–$3,198/mo · n=5
Financing
DepositYour cash in — the rest is the mortgage25% · $64,750
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$345
after mortgage, operating costs & tax
Income
Monthly rent+$2,795
After 2wk voids: $2,688/mo
Outgoings
Mortgage-$1,292
Operating costs-$1,158
show breakdown ▾
Management (10% of rent)-$280
CapEx reserve (5% of rent)-$140
Council Tax × voids (2w/yr)-$6
Insurance-$28
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price12.95%
Cash returnon cash2.51%
Gross margin$1,529
Cash needed$164,947
Monthly profit payback39y 11m
Data confidence
Lender stress test
Rent-covers-mortgage check1.02
Rent-covers-mortgage check PASS (target 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
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$2,720
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$21,665
Acquisition costs
$165K
25% deposit$64,750
Refurb$94,110
Legal + survey$2,150
Mortgage + broker$4,885
Cash needed$164,947
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