Test a buy, refurbish, rent and refinance deal before you view it. See what's left over, then stress test it.
Free for everyone. No sign-up, no payment, no course needed.
Example numbers only. The figures already in the boxes are made up so you can see how it works. They are not a recommendation, a forecast or a promise of any return. Results are before tax. Stamp duty, tax, lender rules and valuations vary: check them with official calculators, your lender or broker, a surveyor and your accountant. General information, not financial, tax or legal advice. Nothing you type here is sent or stored.
| Money in | |
|---|---|
| Short-term loan | |
| Short-term interest over the works | |
| Holding costs over the works | |
| Total project cost | |
| Cash you put in | |
| After the refinance | |
| Refinance loan | |
| Net cash released | |
| Cash left in the deal | |
| Value uplift (not profit) | |
| Total cost as % of value after works | |
| Every year, before tax | |
| Rent collected | |
| Running costs (excluding mortgage) | |
| Mortgage interest | |
| Net cashflow | |
| Net cashflow per month | |
| Gross yield on purchase price | |
| Net yield on value after works | |
| Return on cash left in | |
| Lender test (your inputs) | |
| Rent cover at the stress rate | |
| Rent cover check | |
Cash left in the deal at or below zero means all your cash came back out. That is not the same as risk-free.
Each column changes one thing from your deal. If a bad month or a small fall in value turns the cashflow negative, the deal has no safety margin.
Tick what you have done. Anything unticked needs an answer before you make an offer.
This tool is free for everyone. It is also part of Module 1, "Invest like the 1%", in The 1% Landlord System: four modules covering investing, same-year returns, compliance (England) and scaling without burnout. You do not need the course to use it.
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