Which property investment strategy is most profitable?

It depends entirely on the property and your capital. The same house can be a weak buy-to-let but a strong HMO, or an excellent BRR if it adds enough value to refinance your money out. Enter your figures above and compare cashflow, ROI and the DealIQ verdict across all five strategies at once — the numbers decide, not a rule of thumb.

What do BTL, BRR, HMO, SA and R2R mean?

BTL = Buy-to-Let (buy, let to one household). BRR = Buy, Refurbish, Refinance (add value, pull your capital back out). HMO = House in Multiple Occupation (let by the room). SA = Serviced Accommodation (short-stay / nightly lets). R2R = Rent-to-Rent (you rent from the landlord and sublet — no purchase). Rent-to-Rent and SA-by-lease are control strategies, so yield and below-market-value don’t apply to them.

How is the DealIQ verdict calculated?

DealIQ is a deterministic 0–100 score from your own figures — it rewards positive monthly cashflow, healthy ROI, gross yield and buying below market value, and flags negative cashflow hard. It is maths, not AI, and never invents numbers. PASS / CAUTION / FAIL follows the score.

Can I share my comparison?

Yes — your figures are saved into the page URL as you type, so just copy the link from your address bar. Anyone who opens it sees the exact same comparison.

Which property investment strategy is most profitable?

It depends entirely on the property and your capital. The same house can be a weak buy-to-let but a strong HMO, or an excellent BRR if it adds enough value to refinance your money out. Enter your figures above and compare cashflow, ROI and the DealIQ verdict across all five strategies at once — the numbers decide, not a rule of thumb.

What do BTL, BRR, HMO, SA and R2R mean?

BTL = Buy-to-Let (buy, let to one household). BRR = Buy, Refurbish, Refinance (add value, pull your capital back out). HMO = House in Multiple Occupation (let by the room). SA = Serviced Accommodation (short-stay / nightly lets). R2R = Rent-to-Rent (you rent from the landlord and sublet — no purchase). Rent-to-Rent and SA-by-lease are control strategies, so yield and below-market-value don’t apply to them.

How is the DealIQ verdict calculated?

DealIQ is a deterministic 0–100 score from your own figures — it rewards positive monthly cashflow, healthy ROI, gross yield and buying below market value, and flags negative cashflow hard. It is maths, not AI, and never invents numbers. PASS / CAUTION / FAIL follows the score.

Can I share my comparison?

Yes — your figures are saved into the page URL as you type, so just copy the link from your address bar. Anyone who opens it sees the exact same comparison.

Strategy Comparison

Enter a property's figures once and see how it performs as a Buy-to-Let, BRR, HMO, Serviced Accommodation or Rent-to-Rent deal — side by side, each with its cashflow, ROI, yield and a DealIQ verdict. Distinct from /compare, which checks us against other tools.

Your figures

Enter the property once — every strategy below recalculates instantly.

Property & finance

Market value

Purchase price

Refurb / furniture

Sourcing fee

Deposit %

LTV %

Mortgage rate %

End value (BRR)

Income

Monthly rent (total)

Rent to landlord (R2R/SA)

SA nightly rate

SA occupancy %

Costs & setup

Bills (pcm)

Management %

Setup capital (R2R/SA)

Tax region

Additional property (5% SDLT surcharge on purchases)

Buy-to-Let

PASS65/100

Cashflow (self, pcm): £431
ROI (self): 8.0%
Gross yield: 8.7%
All-in capital: £64,600

Positive £431/month cashflow at 8.0% ROI and 8.7% gross yield — this stacks up.

Full Buy-to-Let calculator

BRR / BRRR

PASS65/100

Cashflow (self, pcm): £431
ROI (self): 8.0%
Gross yield: 8.7%
All-in capital: £64,600
Money left in: £27,100

Positive £431/month cashflow at 8.0% ROI and 8.7% gross yield — this stacks up.

Full BRR / BRRR calculator

HMO

PASS65/100

Cashflow (self, pcm): £431
ROI (self): 8.0%
Gross yield: 8.7%
All-in capital: £64,600

Positive £431/month cashflow at 8.0% ROI and 8.7% gross yield — this stacks up.

Full HMO calculator

Serviced Accommodation

PASS100/100

Cashflow (self, pcm): £676
ROI (self): 90.1%
Gross yield: —
All-in capital: £9,000

Positive £676/month cashflow at 90.1% ROI — this stacks up.

Full Serviced Accommodation calculator

Rent-to-Rent

FAIL22/100

Cashflow (self, pcm): £50
ROI (self): 6.7%
Gross yield: —
All-in capital: £9,000

Weak returns: 6.7% ROI. The numbers don't justify the capital and risk.

Full Rent-to-Rent calculator

How to read this

Each column runs the same property through a different strategy and gives it a DealIQ verdict (🟢 PASS · 🟡 CAUTION · 🔴 FAIL) from cashflow, ROI, yield and BMV. Control strategies (Rent-to-Rent, Serviced Accommodation) have no purchase, so yield and BMV don't apply — they're shown as “—”. Share this comparison with the link in your address bar.

Estimates only, based on the figures you enter. Not financial advice. Verify with a qualified professional. Individual BTL landlords: mortgage-interest relief is restricted (Section 24).

This calculator is for guidance only and does not constitute financial, tax, mortgage or investment advice. Figures are estimates — always seek professional advice and verify costs before committing to a purchase.

Comparing property strategies — common questions

Which property investment strategy is most profitable?: It depends entirely on the property and your capital. The same house can be a weak buy-to-let but a strong HMO, or an excellent BRR if it adds enough value to refinance your money out. Enter your figures above and compare cashflow, ROI and the DealIQ verdict across all five strategies at once — the numbers decide, not a rule of thumb.
What do BTL, BRR, HMO, SA and R2R mean?: BTL = Buy-to-Let (buy, let to one household). BRR = Buy, Refurbish, Refinance (add value, pull your capital back out). HMO = House in Multiple Occupation (let by the room). SA = Serviced Accommodation (short-stay / nightly lets). R2R = Rent-to-Rent (you rent from the landlord and sublet — no purchase). Rent-to-Rent and SA-by-lease are control strategies, so yield and below-market-value don’t apply to them.
How is the DealIQ verdict calculated?: DealIQ is a deterministic 0–100 score from your own figures — it rewards positive monthly cashflow, healthy ROI, gross yield and buying below market value, and flags negative cashflow hard. It is maths, not AI, and never invents numbers. PASS / CAUTION / FAIL follows the score.
Can I share my comparison?: Yes — your figures are saved into the page URL as you type, so just copy the link from your address bar. Anyone who opens it sees the exact same comparison.

Strategy Comparison

Comparing property strategies — common questions

Turn these numbers into an investor-ready pack