# Puffer-Properties-R: Executive Summary
*Last Updated: 05 June 2026 — Auto-generated by Alice*

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## 🏢 Company Overview

**Puffer-Properties-R** is a data-driven, AI-automated residential property letting portfolio,
targeting high-yield opportunities across **Milton Keynes, Northampton, Solihull**.

Our technology stack runs a continuous multi-agent pipeline that screens, analyses, and ranks
every incoming property listing against a dynamic financial model — ensuring only deals that
meet our strict return thresholds are surfaced to the Director.

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## 🎯 Investment Mandate

| Metric | Target |
|--------|--------|
| Minimum Gross Yield | ≥ 6.5% |
| Minimum ROCE | ≥ 8.0% |
| Minimum 5-Year Capital Growth | ≥ 15.0% |
| Monthly Cashflow (after mortgage) | ≥ £150 |
| Capital Model | Cash Deposit + 75% LTV BTL Mortgage |
| LTV | 75% |

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## 📈 Current Market Context

| Rate | Value |
|------|-------|
| BoE Base Rate | 5.25% |
| UK Inflation | 2.1% |
| Avg. Savings Rate | 4.5% |
| Assumed BTL Mortgage Rate | 5.5% |

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## 📊 Acquisition Funnel (Current Run)

| Stage | Count | % of Total |
|-------|-------|-----------|
| Listings Analysed | 20 | 100% |
| Hard Kills (Auto-Rejected) | 3 | 15.0% |
| Passed Quant Screen | 17 | — |
| **GO (Offer Ready)** | **3** | **15.0%** |
| Elevated to Director | 3 | 15.0% |
| No-Go | 11 | 55.0% |
| **Deal Conversion Rate** | **6/20** | **30.0%** |

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## 🏠 Current GO Properties

### MK6 3AB — Milton Keynes
- **3bed Terraced** | Asking: £175,000
- Gross Yield: **9.43%** | ROCE: **9.05%** | Monthly Cashflow: **£464**
- 5yr Growth: **20.5%** | 5yr Return: **112.4%**
- Deposit Required: £43,750 | Total Capital In: £61,549

### MK14 6GH — Milton Keynes
- **3bed Terraced** | Asking: £180,000
- Gross Yield: **8.99%** | ROCE: **8.09%** | Monthly Cashflow: **£425**
- 5yr Growth: **19.5%** | 5yr Return: **104.61%**
- Deposit Required: £45,000 | Total Capital In: £63,049

### B92 8QR — Solihull
- **3bed Terraced** | Asking: £205,000
- Gross Yield: **9.65%** | ROCE: **9.91%** | Monthly Cashflow: **£583**
- 5yr Growth: **22.0%** | 5yr Return: **123.64%**
- Deposit Required: £51,250 | Total Capital In: £70,549

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## ⚙️ Technology Stack

Our acquisition pipeline is powered by a **LangGraph multi-agent system** comprising:

- **Sherlock** — Real-time property portal scraper and sift agent
- **Hector** — Area forecaster tracking infrastructure, employment, and capital growth indicators
- **Quinn** — Quantitative analyst calculating yields, ROCE, and 5-year projections
- **Nigel** — Operations agent managing agent communications (acting as Director)
- **Trevor** — Tax & acquisition cost agent: SDLT, full itemised costs, annual P&L, true ROCE
- **Iris** — Reporting & trend analysis agent
- **Alice** — Portfolio dashboard, JSON export, deal pack stubs, investor summary generator

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