All Money Out BRR to HMO

Acquisition & Costs

• Purchase Price: £90,000
• Stamp Duty (SDLT): £4,500
• Legal Fees: £1,500
• Survey: £480

Total Acquisition Costs: £6,480

Refurbishment Budget £24,530 (Incl. 10% Contingency)

Total Investment

£121,010 (All-In Cost)

BRR Strategy Outcome

• GDV (Post-Refurb Valuation): £170,000
• Refinance (75% LTV): £127,500
• Investor Capital Remaining: £0 (Full capital recycled)

Income & Returns (Post-Refinance)

• Gross Monthly Rent (HMO): £2,000
• Operating Costs (40%): £800
• Mortgage (5.50% Interest Only): £584

Net Monthly Cashflow: £616

Annual Cashflow: £7,392