A breakdown of every metric on your analysis dashboard, in the order you see them.
The three headline numbers at the top of every analysis.
Net ROI
Annual Net Cashflow ÷ Cash Invested × 100
The headline number. How much your cash is working for you each year, expressed as a percentage. Accounts for leverage — a 25% deposit on a £200k property and a £10k annual profit gives 20% ROI, not 5%.
Net Yield
Net Annual Cashflow ÷ Purchase Price × 100
Income return relative to the full property value. Useful for comparing properties regardless of how they're financed. Lower than ROI because it ignores the leverage effect of your mortgage.
Monthly Net Cashflow
Rental Income − Mortgage − All Running Costs
Cash left in your pocket each month after every outgoing. The number to stress-test — model higher rates, more void weeks, or higher costs and see if it stays positive.
Context figures shown below the key metrics.
Purchase Price
The agreed price of the property.
Total Cash Invested
Your deposit plus all buying costs (stamp duty, solicitor fees, survey, etc.). This is the denominator in the ROI calculation — the actual cash you put in.
Mortgage Amount
The loan amount (Purchase Price − Deposit). For interest-only mortgages, this stays constant — you're not repaying capital.
Yearly Cashflow
Monthly Net Cashflow × 12
Annual net cashflow. The numerator in the ROI calculation.
Gross Yield
Annual Rental Income ÷ Purchase Price × 100
Income return before any costs. A quick filter — useful for comparing properties at a glance before running a full analysis.
Every line item that makes up your net cashflow figure.
Gross Rental Income
The monthly rent you expect to receive from tenants.
Mortgage Payment
Monthly interest payment based on your LTV and interest rate. For interest-only mortgages this is purely interest — no capital repaid.
Management Fees
Letting agent fee as a percentage of rental income. Typically 8–12% for full management in the UK. Set to 0 if self-managing.
Maintenance Provision
A monthly reserve for repairs and maintenance. A common rule of thumb is 1% of property value per year, spread monthly.
Void Allowance
Lost rent from empty periods between tenancies. Calculated as (weekly rent × void weeks) ÷ 12. The UK average is 3–4 weeks per year.
Service Charge / Ground Rent / Insurance / Bills
Optional costs that only appear if you enter them. Service charge and ground rent apply to leasehold flats; insurance and bills apply where you pay them as the landlord.