Will It Actually Cashflow? The Buy-to-Let Numbers That Decide

Yield, stress tests and the costs that quietly eat your profit

This book teaches one practical skill: appraising a single, real buy-to-let property so you know whether it will actually pay you. It sets out the numbers that matter and the order they matter in, from gross yield as a first filter to net yield, monthly cashflow, return on capital and the lender's interest coverage test. You will learn where to find sold prices, achievable rents and local demand data for free, how to turn an asking rent into an honest income line after voids and arrears, and how to build the full cost stack, including buying costs, mortgage interest, compliance, leasehold charges and tax. The book then stress-tests a deal against a rate rise, a long void and a bad month, runs a complete worked example from purchase price to after-tax result, and gives you a step-by-step calculator to use on every listing. It ends with the legal and tax questions no calculator can answer. Next in this series: “The Legal Landlord: Section 24, Companies and the Renters' Rights Act”.

What’s inside

• The only numbers that actually matter
• Where to find reliable local data for free
• Working out true income, not optimistic income
• The full cost stack nobody mentions
• Stress-testing for the bad month, the void, the rate rise
• A complete worked example, start to finish
• Your deal calculator, and the legal questions it cannot answer

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.