Investor-grade preview

Five real-world investor scenarios. One consistent output standard.

Each demo represents a different buying posture. This makes the product believable to experienced investors and easy to trust for first-time users.

Evidence-led pricing contextScenario ROI and stress testingOffer ladder with risk gates

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Scenario

HMO Candidate

HMO · Watch

Deal score

76/100

Model confidence

Gross yield

7.1%

Base scenario

Recommended offer

£201,000

Disciplined starting point

Scenario Narrative

Watch: strongest cashflow upside in the set, conditional on licensing, compliant layout, and fire-safety scope.

Visual story: room configuration and floor space suggest conversion potential, but compliance is the primary gate.

Proof

Proof signal: BTL fallback stays viable while HMO scenario materially improves projected cashflow.

Why It Converts

Sales angle: this is the upside case for professional operators who validate policy and compliance first.

Investor Deal Pack

Underwrite-ready

Kirkstall Avenue, Leeds LS6

LS7 2RW4 bedCashflow-led HMO conversion candidate

Score 76.0/100Offer scenario: ConservativeRent estimated (72%)FreeholdEPC D

Council tax B · Reduced 2026-01-28

Asking

£210,000

Offer scenario: Conservative · £201,000

Call 0113 555 0198

Sufficient data for underwriting.

HMO routeCompliance-gatedCashflow upsideLicensing-sensitive

Gross yield

11.2%

Rent £1,880/mo · Price £201,000

Net yield

8.6%

Rent £1,880/mo · Price £201,000

Cashflow

£640/mo

Rent £1,880/mo · Price £201,000

Discount vs median

6.3%

Sold-price backed signal

Listing photo1/5

Evidence

Floorplan —

EPC

Band D

Map

Area: LS7 2RW

Open map

Estimate note

Some headline figures are estimate-led until rent and sold comparables are fully confirmed.

5 photos captured

Deal pack

Fast scan

Decision-first. No fluff.

Investor brief

Verdict

Proceed(90/100 bankability)

Enough evidence to underwrite. Execution still matters.

Rent plan (+£150/mo) (packaged)

This is underwriteable. Now kill it with due diligence.

Model score 76.0/100Vs median 6.3% below

Evidence set looks complete enough to move fast.

Rent (pcm)

£1,880

Estimate-led rent until listing evidence is confirmed

Gross yield

11.2%

Scenario: Rent plan (+£150/mo) (packaged) | Rent source: openrent | certainty 72%

Net yield

8.6%

After mortgage + costs

Cashflow / mo

£640

Net income (monthly)

Market proof

Area-backed evidence

Local sold median ~£224,000

HMO routeCompliance-gatedCashflow upsideLicensing-sensitive

Underwriting snapshot

Known vs. missing — so the investor trusts you.

Proceed

Asking price

£210,000

Rent input

£1,880

Used in: Rent plan (+£150/mo) (packaged)

Tenure

Freehold

Title details pending confirmation.

EPC

Band D

EPC details pending confirmation.

Market proof

Attached

Area-backed sold evidence (exact unit still pending)

Agent contact

0113 555 0198

Agent: North Leeds Residential

Council tax

Band B

Listed / Reduced

2026-01-05 / 2026-01-28

Parking / Garden

Not enough data yet / Not enough data yet

Accessibility

Not enough data yet

Broadband

Not enough data yet

EPC evidence

Band D

Map evidence

Area: LS7 2RW

Open map

Market reality check

What sold data says — and what it doesn’t.

Vs median 6.3% below

Context

Local sold median ~£224,000

Last sold: £198,000 · 2020-11-03

Vs local median

6.3% below

Sold-evidence-backed signal

Sample strength

34 area | 0 exact

More comparable sales improves pricing certainty.

Discounts can be opportunity or hidden pain. Premiums need a reason (plot, refurb, scarcity). Confirm the “why”.

AI summary

Compressed into investor language.

AI ready

This is the upside case investors chase. Treat compliance as the first gate, then underwrite against the BTL fallback so the decision stays protected.

Discount to local sold median with adequate sample depth · Two-reception layout supports stronger renter demand · Refurb scope is cosmetic in base case, not structural · Clear offer ceiling and walk-away line already modelled

Condition: cosmeticCondition certainty 78%

Condition profile suggests light-to-medium cosmetic works: kitchen, bathroom refresh, flooring, and decoration. No clear structural signals in listing copy, but survey validation is mandatory.

Red flags

Kitchen and bathroom specification appears dated.
Boiler and electrics should be documented before commitment.
Rear roofline should be inspected during survey.
Article 4 and licensing checks can invalidate HMO strategy.
Fire safety and egress upgrades may expand capex.
Void risk rises if room spec is below market expectation.

Copy/paste agent questions

Flush out deal-killers fast.

Due diligence

Any material issues affecting value, safety, or mortgageability?
Why is the vendor selling and what timescale are they working to?
Offers received so far — and why rejected?
Anything likely to fail a mortgage valuation?
Tenure/title constraints? (and if leasehold: years remaining, ground rent, service charge)

Investors don’t lose money on analysis — they lose money on assumptions. This list is designed to kill assumptions.

Next actions

Do these before you emotionally commit:

1) Confirm rent comps
3–5 true comparables. Same beds, same street feel, similar condition.
2) Confirm tenure/title constraints
Lease length, service charge, ground rent, restrictions.
3) Stress test mortgage & costs
Rate shock + voids + maintenance. Don’t underwrite optimism.
4) Works + survey plan
RICS minimum. Structural if cracks, roof movement, or moisture markers show up.

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