Income evidence
Expected rent, other recurring income and a conservative vacancy allowance.
BUY-TO-LET CASH FLOW
See what remains after the rent meets the real monthly costs.
Estimate rental income minus mortgage and operating costs, then test whether the deal still works when rates rise, rent falls or repairs run over budget.
Calculate property cash flow7 days free · then £9.99/month · up to 14 listings
Positive rent does not guarantee positive cash flow
A property may show an attractive gross yield while producing little monthly surplus once finance, management, maintenance, insurance, service charges and vacancy are included.
Inputs needed for a credible cash-flow estimate
Finance terms
Deposit, mortgage balance, interest rate, repayment basis, term and product fees.
Operating costs
Management, maintenance, insurance, compliance, utilities and service charges where relevant.
Downside assumptions
Higher rates, lower rent, longer voids and a repair overrun for stress testing.
Keep the base case and downside case together
The Deal Analyser calculates the base position while the stress test shows how vulnerable the monthly result is. Store the listing, figures, evidence and next action in one workspace.
Property Action OS provides planning and decision-support calculations. Figures are illustrative and are not mortgage, financial, tax, valuation, surveying or legal advice. Verify material assumptions with qualified professionals.
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Rental yield calculator · Stress-test a buy-to-let
What is buy-to-let cash flow?
It is rental income remaining after the recurring costs and finance assumptions entered for the property.
Should I allow for empty periods?
Yes. A vacancy allowance helps avoid treating uninterrupted rent as guaranteed.