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How We Calculate Cashflow
Methodology & Data SourcesUpdated October 2025
Calculation Formulas
Monthly Cashflow
Monthly Rent - (Mortgage Payment + Management Fee + Insurance + Maintenance)
Net monthly income after all expenses
Annual Cashflow
Monthly Cashflow × 12
Total annual cashflow before tax
Data Sources
Current HMO mortgage rates from our lender panel
UK Finance property market data
Insurance cost benchmarks
HMO management fee structures
Key Assumptions
Occupancy Rate95%
Typical HMO occupancy rate
Management Fee10% of rent
Standard HMO management fee
Insurance Cost£800/year
Average HMO insurance premium
Calculation Accuracy
Cashflow projections based on current market conditions. Actual results depend on property performance and market changes.