# Puffer-Properties-R — Pipeline Run Report
**Run ID:** `rm_live_20260328`  
**Generated:** 2026-03-28 21:02  
**Generated by:** Iris (Integrator & Reporter)

---

## 📊 Funnel Summary

| Stage | Count | % of Total |
|-------|-------|-----------|
| Raw listings ingested | 74 | 100% |
| Hard killed (auto-rejected) | 0 | 0% |
| Passed to Quant analysis | 74 | 100% |
| **GO** ✅ | **6** | **8%** |
| **ELEVATE TO ASH** 🔼 | **0** | **0%** |
| **NO-GO** ✗ | 68 | 92% |
| Floorplan emails triggered | 0 | — |

### Investment Targets Applied
| Target | Value |
|--------|-------|
| Min Gross Yield | ≥6.5% |
| Min ROCE | ≥8.0% |
| Min 5yr Capital Growth | ≥15.0% |
| Min Monthly Cashflow | ≥£150 |

---

## ✅ GO Properties — Ready for Offer

### [RM-173775143] MK — Milton Keynes
**2bed Bungalow** | £120,000 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 11.0% ✅ *(target ≥6.5%)*
- **Net Yield:** 8.43%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £120,000 |
| Deposit (25%) | £30,000 |
| Mortgage (75% LTV) | £90,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £412 |
| SDLT (5.0% effective) | £6,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£50,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £412 | £4,950 |
| **Net cashflow** | **£430** ✅ | **£5,162** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £5,162
  Total Cash Invested  :  £50,649
  ─────────────────────────────────────────
  ROCE = £5,162 ÷ £50,649 × 100
       = 10.19% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £6,000 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £10,400 |
| Deposit | £30,000 |
| **Total cash required** | **£51,049** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £13,200 |
| Void deduction | −£508 |
| Effective rent | £12,692 |
| Mortgage (IO) | −£4,950 |
| Management fee | −£1,269 |
| Maintenance reserve | −£635 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£5,238** |
| Net profit (post Section 24) | £2,153 |

- **True ROCE:** 10.26%
- **True Net Yield:** 4.37%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £120,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£142,200** |
| Capital gain | £22,200 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£52,371 (103.4%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173775143)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172810034] MK — Milton Keynes
**2bed Flat** | £85,000 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 15.53% ✅ *(target ≥6.5%)*
- **Net Yield:** 11.9%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £85,000 |
| Deposit (25%) | £21,250 |
| Mortgage (75% LTV) | £63,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £292 |
| SDLT (5.0% effective) | £4,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£40,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £292 | £3,506 |
| **Net cashflow** | **£550** ✅ | **£6,606** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £6,606
  Total Cash Invested  :  £40,149
  ─────────────────────────────────────────
  ROCE = £6,606 ÷ £40,149 × 100
       = 16.45% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £4,250 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £10,400 |
| Deposit | £21,250 |
| **Total cash required** | **£40,549** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £13,200 |
| Void deduction | −£508 |
| Effective rent | £12,692 |
| Mortgage (IO) | −£3,506 |
| Management fee | −£1,269 |
| Maintenance reserve | −£635 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£6,682** |
| Net profit (post Section 24) | £3,308 |

- **True ROCE:** 16.48%
- **True Net Yield:** 7.86%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £85,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£100,725** |
| Capital gain | £15,725 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£53,115 (132.29%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172810034)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-147497960] MK5 — Milton Keynes
**3bed Semi-Detached** | £105,000 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 15.43% ✅ *(target ≥6.5%)*
- **Net Yield:** 11.95%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £105,000 |
| Deposit (25%) | £26,250 |
| Mortgage (75% LTV) | £78,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £361 |
| SDLT (5.0% effective) | £5,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£47,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £361 | £4,331 |
| **Net cashflow** | **£685** ✅ | **£8,215** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £8,215
  Total Cash Invested  :  £47,349
  ─────────────────────────────────────────
  ROCE = £8,215 ÷ £47,349 × 100
       = 17.35% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £5,250 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £11,600 |
| Deposit | £26,250 |
| **Total cash required** | **£47,749** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £16,200 |
| Void deduction | −£623 |
| Effective rent | £15,577 |
| Mortgage (IO) | −£4,331 |
| Management fee | −£1,558 |
| Maintenance reserve | −£779 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£8,309** |
| Net profit (post Section 24) | £4,119 |

- **True ROCE:** 17.4%
- **True Net Yield:** 7.91%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £105,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£123,900** |
| Capital gain | £18,900 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£65,329 (137.97%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/147497960)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-171886412] MK6 — Milton Keynes
**2bed Flat** | £85,000 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 15.53% ✅ *(target ≥6.5%)*
- **Net Yield:** 11.9%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £85,000 |
| Deposit (25%) | £21,250 |
| Mortgage (75% LTV) | £63,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £292 |
| SDLT (5.0% effective) | £4,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£40,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £292 | £3,506 |
| **Net cashflow** | **£550** ✅ | **£6,606** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £6,606
  Total Cash Invested  :  £40,149
  ─────────────────────────────────────────
  ROCE = £6,606 ÷ £40,149 × 100
       = 16.45% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £4,250 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £10,400 |
| Deposit | £21,250 |
| **Total cash required** | **£40,549** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £13,200 |
| Void deduction | −£508 |
| Effective rent | £12,692 |
| Mortgage (IO) | −£3,506 |
| Management fee | −£1,269 |
| Maintenance reserve | −£635 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£6,682** |
| Net profit (post Section 24) | £3,308 |

- **True ROCE:** 16.48%
- **True Net Yield:** 7.86%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £85,000 |
| 5yr capital growth (Hector) | 20.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£102,000** |
| Capital gain | £17,000 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£54,390 (135.47%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/171886412)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173640041] MK15 — Milton Keynes
**3bed Semi-Detached** | £170,000 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 9.53% ✅ *(target ≥6.5%)*
- **Net Yield:** 7.38%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £170,000 |
| Deposit (25%) | £42,500 |
| Mortgage (75% LTV) | £127,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £584 |
| SDLT (5.0% effective) | £8,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£66,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £584 | £7,012 |
| **Net cashflow** | **£461** ✅ | **£5,534** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £5,534
  Total Cash Invested  :  £66,849
  ─────────────────────────────────────────
  ROCE = £5,534 ÷ £66,849 × 100
       = 8.28% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £8,500 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £11,600 |
| Deposit | £42,500 |
| **Total cash required** | **£67,249** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £16,200 |
| Void deduction | −£623 |
| Effective rent | £15,577 |
| Mortgage (IO) | −£7,013 |
| Management fee | −£1,558 |
| Maintenance reserve | −£779 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£5,628** |
| Net profit (post Section 24) | £1,974 |

- **True ROCE:** 8.37%
- **True Net Yield:** 3.31%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £170,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£202,300** |
| Capital gain | £32,300 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£65,322 (97.72%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173640041)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173635178] MK13 — Milton Keynes
**2bed Terraced** | £132,500 | Unknown | EPC: N/A | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 9.96% ✅ *(target ≥6.5%)*
- **Net Yield:** 7.63%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £132,500 |
| Deposit (25%) | £33,125 |
| Mortgage (75% LTV) | £99,375 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £455 |
| SDLT (5.0% effective) | £6,625 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£54,399** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £455 | £5,466 |
| **Net cashflow** | **£387** ✅ | **£4,646** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £4,646
  Total Cash Invested  :  £54,399
  ─────────────────────────────────────────
  ROCE = £4,646 ÷ £54,399 × 100
       = 8.54% ✅ (target ≥8.0%)
```

#### 💼 Trevor — Authoritative Acquisition & P&L (itemised)
| Acquisition Cost | Amount |
|---|---|
| SDLT (5.0% effective) | £6,625 |
| Legal fees | £1,500 |
| Survey | £500 |
| Mortgage arrangement fee | £999 |
| Mortgage valuation fee | £350 |
| Broker fee | £500 |
| Search fees | £400 |
| Refurbishment reserve | £10,400 |
| Deposit | £33,125 |
| **Total cash required** | **£54,799** |

| Annual P&L | Amount |
|---|---|
| Gross rent | £13,200 |
| Void deduction | −£508 |
| Effective rent | £12,692 |
| Mortgage (IO) | −£5,466 |
| Management fee | −£1,269 |
| Maintenance reserve | −£635 |
| Insurance | −£400 |
| Accountancy | −£200 |
| **Net profit (pre-tax)** | **£4,723** |
| Net profit (post Section 24) | £1,741 |

- **True ROCE:** 8.62%
- **True Net Yield:** 3.56%

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £132,500 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£157,675** |
| Capital gain | £25,175 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£52,768 (97.0%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173635178)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

---

## ✗ No-Go Properties — Full Breakdown

### Failure Analysis

- **Below ROCE target:** 68  `████████████████████████████████████████████████████████████████████`
- **Below yield target:** 57  `█████████████████████████████████████████████████████████`
- **Negative/low cashflow:** 54  `██████████████████████████████████████████████████████`

### [RM-170514878] MK — Milton Keynes
**2bed Flat** | £235,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.62% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.3%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £235,000 |
| Deposit (25%) | £58,750 |
| Mortgage (75% LTV) | £176,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £808 |
| SDLT (5.0% effective) | £11,750 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£85,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £808 | £9,694 |
| **Net cashflow** | **£35** ❌ | **£418** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £418
  Total Cash Invested  :  £85,149
  ─────────────────────────────────────────
  ROCE = £418 ÷ £85,149 × 100
       = 0.49% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £235,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£278,475** |
| Capital gain | £43,475 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,927 (58.64%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/170514878)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173833916] MK3 — Milton Keynes
**2bed Bungalow** | £275,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.8% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.68%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £275,000 |
| Deposit (25%) | £68,750 |
| Mortgage (75% LTV) | £206,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £945 |
| SDLT (5.5% effective) | £15,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£98,399** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £945 | £11,344 |
| **Net cashflow** | **£-103** ❌ | **£-1,232** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,232
  Total Cash Invested  :  £98,399
  ─────────────────────────────────────────
  ROCE = £-1,232 ÷ £98,399 × 100
       = -1.25% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £275,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£325,875** |
| Capital gain | £50,875 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,077 (49.88%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173833916)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173826617] MK — Milton Keynes
**2bed Flat** | £200,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.6% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.06%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £200,000 |
| Deposit (25%) | £50,000 |
| Mortgage (75% LTV) | £150,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £688 |
| SDLT (5.0% effective) | £10,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£74,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £688 | £8,250 |
| **Net cashflow** | **£155** ✅ | **£1,862** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,862
  Total Cash Invested  :  £74,649
  ─────────────────────────────────────────
  ROCE = £1,862 ÷ £74,649 × 100
       = 2.49% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £200,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£237,000** |
| Capital gain | £37,000 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,671 (67.88%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173826617)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173822711] MK7 6BB — Milton Keynes
**2bed Flat** | £345,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 3.83% ❌ *(target ≥6.5%)*
- **Net Yield:** 2.93%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £345,000 |
| Deposit (25%) | £86,250 |
| Mortgage (75% LTV) | £258,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,186 |
| SDLT (6.4% effective) | £22,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£122,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,186 | £14,231 |
| **Net cashflow** | **£-343** ❌ | **£-4,119** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-4,119
  Total Cash Invested  :  £122,899
  ─────────────────────────────────────────
  ROCE = £-4,119 ÷ £122,899 × 100
       = -3.35% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £345,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£407,100** |
| Capital gain | £62,100 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£45,865 (37.32%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173822711)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173815490] MK3 — Milton Keynes
**3bed Semi-Detached** | £310,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.23% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.05%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £310,000 |
| Deposit (25%) | £77,500 |
| Mortgage (75% LTV) | £232,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,066 |
| SDLT (6.0% effective) | £18,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£111,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,066 | £12,788 |
| **Net cashflow** | **£-20** ❌ | **£-241** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-241
  Total Cash Invested  :  £111,849
  ─────────────────────────────────────────
  ROCE = £-241 ÷ £111,849 × 100
       = -0.22% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £310,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£367,350** |
| Capital gain | £57,350 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,497 (54.98%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173815490)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173814932] MK — Milton Keynes
**2bed Other** | £265,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.98% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.82%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £265,000 |
| Deposit (25%) | £66,250 |
| Mortgage (75% LTV) | £198,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £911 |
| SDLT (5.3% effective) | £14,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£94,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £911 | £10,931 |
| **Net cashflow** | **£-68** ❌ | **£-819** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-819
  Total Cash Invested  :  £94,899
  ─────────────────────────────────────────
  ROCE = £-819 ÷ £94,899 × 100
       = -0.86% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £265,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£314,025** |
| Capital gain | £49,025 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,290 (51.94%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173814932)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-171261716] MK — Milton Keynes
**3bed Terraced** | £275,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.89% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.56%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £275,000 |
| Deposit (25%) | £68,750 |
| Mortgage (75% LTV) | £206,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £945 |
| SDLT (5.5% effective) | £15,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£99,599** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £945 | £11,344 |
| **Net cashflow** | **£100** ❌ | **£1,203** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,203
  Total Cash Invested  :  £99,599
  ─────────────────────────────────────────
  ROCE = £1,203 ÷ £99,599 × 100
       = 1.21% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £275,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£325,875** |
| Capital gain | £50,875 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,241 (62.49%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/171261716)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-87653082] MK4 — Milton Keynes
**2bed Flat** | £185,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 7.14% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.47%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £185,000 |
| Deposit (25%) | £46,250 |
| Mortgage (75% LTV) | £138,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £636 |
| SDLT (5.0% effective) | £9,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£70,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £636 | £7,631 |
| **Net cashflow** | **£207** ✅ | **£2,481** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,481
  Total Cash Invested  :  £70,149
  ─────────────────────────────────────────
  ROCE = £2,481 ÷ £70,149 × 100
       = 3.54% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £185,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£218,300** |
| Capital gain | £33,300 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,065 (71.37%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/87653082)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173783909] MK2 — Milton Keynes
**3bed Semi-Detached** | £250,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 6.48% ❌ *(target ≥6.5%)*
- **Net Yield:** 5.02%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £250,000 |
| Deposit (25%) | £62,500 |
| Mortgage (75% LTV) | £187,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £859 |
| SDLT (5.0% effective) | £12,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£90,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £859 | £10,312 |
| **Net cashflow** | **£186** ✅ | **£2,234** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,234
  Total Cash Invested  :  £90,849
  ─────────────────────────────────────────
  ROCE = £2,234 ÷ £90,849 × 100
       = 2.46% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £250,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£297,500** |
| Capital gain | £47,500 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£64,022 (70.47%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173783909)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173806565] MK — Milton Keynes
**2bed Terraced** | £285,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.55%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £285,000 |
| Deposit (25%) | £71,250 |
| Mortgage (75% LTV) | £213,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £980 |
| SDLT (5.6% effective) | £16,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£101,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £980 | £11,756 |
| **Net cashflow** | **£-137** ❌ | **£-1,644** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,644
  Total Cash Invested  :  £101,899
  ─────────────────────────────────────────
  ROCE = £-1,644 ÷ £101,899 × 100
       = -1.61% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £285,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£337,725** |
| Capital gain | £52,725 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,865 (47.95%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173806565)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173803940] MK — Milton Keynes
**2bed Flat** | £210,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.29% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.82%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £210,000 |
| Deposit (25%) | £52,500 |
| Mortgage (75% LTV) | £157,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £722 |
| SDLT (5.0% effective) | £10,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£77,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £722 | £8,662 |
| **Net cashflow** | **£121** ❌ | **£1,449** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,449
  Total Cash Invested  :  £77,649
  ─────────────────────────────────────────
  ROCE = £1,449 ÷ £77,649 × 100
       = 1.87% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £210,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£248,850** |
| Capital gain | £38,850 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,458 (64.98%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173803940)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173803850] MK — Milton Keynes
**3bed Semi-Detached** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£60,647 (48.19%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173803850)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173803352] MK6 — Milton Keynes
**3bed Terraced** | £280,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.79% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.48%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £280,000 |
| Deposit (25%) | £70,000 |
| Mortgage (75% LTV) | £210,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £962 |
| SDLT (5.5% effective) | £15,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£101,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £962 | £11,550 |
| **Net cashflow** | **£83** ❌ | **£996** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £996
  Total Cash Invested  :  £101,349
  ─────────────────────────────────────────
  ROCE = £996 ÷ £101,349 × 100
       = 0.98% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £280,000 |
| 5yr capital growth (Hector) | 20.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£336,000** |
| Capital gain | £56,000 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£66,335 (65.45%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173803352)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173794952] MK — Milton Keynes
**3bed Terraced** | £180,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 9.0% ✅ *(target ≥6.5%)*
- **Net Yield:** 6.97%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £180,000 |
| Deposit (25%) | £45,000 |
| Mortgage (75% LTV) | £135,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £619 |
| SDLT (5.0% effective) | £9,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£69,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £619 | £7,425 |
| **Net cashflow** | **£427** ✅ | **£5,121** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £5,121
  Total Cash Invested  :  £69,849
  ─────────────────────────────────────────
  ROCE = £5,121 ÷ £69,849 × 100
       = 7.33% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £180,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£213,300** |
| Capital gain | £33,300 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£64,260 (92.0%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173794952)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-168024341] MK — Milton Keynes
**2bed Flat** | £280,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.71% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.61%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £280,000 |
| Deposit (25%) | £70,000 |
| Mortgage (75% LTV) | £210,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £962 |
| SDLT (5.5% effective) | £15,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£100,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £962 | £11,550 |
| **Net cashflow** | **£-120** ❌ | **£-1,438** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,438
  Total Cash Invested  :  £100,149
  ─────────────────────────────────────────
  ROCE = £-1,438 ÷ £100,149 × 100
       = -1.44% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £280,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£331,800** |
| Capital gain | £51,800 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,971 (48.9%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/168024341)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173790878] MK — Milton Keynes
**2bed Flat** | £220,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.0% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.6%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £220,000 |
| Deposit (25%) | £55,000 |
| Mortgage (75% LTV) | £165,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £756 |
| SDLT (5.0% effective) | £11,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£80,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £756 | £9,075 |
| **Net cashflow** | **£86** ❌ | **£1,037** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,037
  Total Cash Invested  :  £80,649
  ─────────────────────────────────────────
  ROCE = £1,037 ÷ £80,649 × 100
       = 1.29% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £220,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£260,700** |
| Capital gain | £40,700 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,246 (62.3%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173790878)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-171228740] MK — Milton Keynes
**3bed Terraced** | £270,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 6.0% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.65%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £270,000 |
| Deposit (25%) | £67,500 |
| Mortgage (75% LTV) | £202,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £928 |
| SDLT (5.4% effective) | £14,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£97,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £928 | £11,138 |
| **Net cashflow** | **£117** ❌ | **£1,409** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,409
  Total Cash Invested  :  £97,849
  ─────────────────────────────────────────
  ROCE = £1,409 ÷ £97,849 × 100
       = 1.44% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £270,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£319,950** |
| Capital gain | £49,950 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,347 (63.72%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/171228740)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172755353] MK — Milton Keynes
**3bed Semi-Detached** | £300,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.18%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £300,000 |
| Deposit (25%) | £75,000 |
| Mortgage (75% LTV) | £225,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£108,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£14** ❌ | **£171** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £171
  Total Cash Invested  :  £108,349
  ─────────────────────────────────────────
  ROCE = £171 ÷ £108,349 × 100
       = 0.16% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £300,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£355,500** |
| Capital gain | £55,500 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,710 (56.95%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172755353)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173784545] MK — Milton Keynes
**2bed Terraced** | £280,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.71% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.61%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £280,000 |
| Deposit (25%) | £70,000 |
| Mortgage (75% LTV) | £210,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £962 |
| SDLT (5.5% effective) | £15,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£100,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £962 | £11,550 |
| **Net cashflow** | **£-120** ❌ | **£-1,438** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,438
  Total Cash Invested  :  £100,149
  ─────────────────────────────────────────
  ROCE = £-1,438 ÷ £100,149 × 100
       = -1.44% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £280,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£331,800** |
| Capital gain | £51,800 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,971 (48.9%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173784545)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173779343] MK13 — Milton Keynes
**4bed Semi-Detached** | £335,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Management fee (10% of rent) | £170 | £2,040 |
| Maintenance reserve (5% of rent) | — | £1,020 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £785 |
| **Net rent** | **£1,330** | **£15,955** |

- **Gross Yield:** 6.09% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.76%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £335,000 |
| Deposit (25%) | £83,750 |
| Mortgage (75% LTV) | £251,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,152 |
| SDLT (6.3% effective) | £21,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £12,800 |
| **Total cash invested** | **£121,799** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Running costs | £370 | £4,445 |
| Mortgage payment | £1,152 | £13,819 |
| **Net cashflow** | **£178** ✅ | **£2,136** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,136
  Total Cash Invested  :  £121,799
  ─────────────────────────────────────────
  ROCE = £2,136 ÷ £121,799 × 100
       = 1.75% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £335,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£398,650** |
| Capital gain | £63,650 |
| 5yr gross rental income | £108,740 |
| **Total 5yr return (net)** | **£81,070 (66.56%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173779343)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173255909] MK16 — Milton Keynes
**3bed Terraced** | £300,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.18%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £300,000 |
| Deposit (25%) | £75,000 |
| Mortgage (75% LTV) | £225,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£108,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£14** ❌ | **£171** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £171
  Total Cash Invested  :  £108,349
  ─────────────────────────────────────────
  ROCE = £171 ÷ £108,349 × 100
       = 0.16% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £300,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£357,000** |
| Capital gain | £57,000 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£63,210 (58.34%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173255909)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173771348] MK — Milton Keynes
**2bed Flat** | £195,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.77% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.19%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £195,000 |
| Deposit (25%) | £48,750 |
| Mortgage (75% LTV) | £146,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £670 |
| SDLT (5.0% effective) | £9,750 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£73,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £670 | £8,044 |
| **Net cashflow** | **£172** ✅ | **£2,068** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,068
  Total Cash Invested  :  £73,149
  ─────────────────────────────────────────
  ROCE = £2,068 ÷ £73,149 × 100
       = 2.83% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £195,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£231,075** |
| Capital gain | £36,075 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,777 (69.42%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173771348)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173771030] MK — Milton Keynes
**2bed Terraced** | £280,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.71% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.61%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £280,000 |
| Deposit (25%) | £70,000 |
| Mortgage (75% LTV) | £210,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £962 |
| SDLT (5.5% effective) | £15,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£100,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £962 | £11,550 |
| **Net cashflow** | **£-120** ❌ | **£-1,438** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,438
  Total Cash Invested  :  £100,149
  ─────────────────────────────────────────
  ROCE = £-1,438 ÷ £100,149 × 100
       = -1.44% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £280,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£331,800** |
| Capital gain | £51,800 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,971 (48.9%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173771030)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173770352] MK — Milton Keynes
**3bed Semi-Detached** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£60,647 (48.19%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173770352)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-171930662] MK2 — Milton Keynes
**3bed Terraced** | £315,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.14% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.98%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £315,000 |
| Deposit (25%) | £78,750 |
| Mortgage (75% LTV) | £236,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,083 |
| SDLT (6.0% effective) | £19,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£113,599** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,083 | £12,994 |
| **Net cashflow** | **£-37** ❌ | **£-447** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-447
  Total Cash Invested  :  £113,599
  ─────────────────────────────────────────
  ROCE = £-447 ÷ £113,599 × 100
       = -0.39% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £315,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£374,850** |
| Capital gain | £59,850 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,966 (55.43%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/171930662)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173769950] MK — Milton Keynes
**2bed Flat** | £210,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.29% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.82%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £210,000 |
| Deposit (25%) | £52,500 |
| Mortgage (75% LTV) | £157,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £722 |
| SDLT (5.0% effective) | £10,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£77,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £722 | £8,662 |
| **Net cashflow** | **£121** ❌ | **£1,449** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,449
  Total Cash Invested  :  £77,649
  ─────────────────────────────────────────
  ROCE = £1,449 ÷ £77,649 × 100
       = 1.87% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £210,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£248,850** |
| Capital gain | £38,850 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,458 (64.98%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173769950)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173159615] MK — Milton Keynes
**3bed Semi-Detached** | £285,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.68% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.4%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £285,000 |
| Deposit (25%) | £71,250 |
| Mortgage (75% LTV) | £213,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £980 |
| SDLT (5.6% effective) | £16,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£103,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £980 | £11,756 |
| **Net cashflow** | **£66** ❌ | **£790** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £790
  Total Cash Invested  :  £103,099
  ─────────────────────────────────────────
  ROCE = £790 ÷ £103,099 × 100
       = 0.77% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £285,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£337,725** |
| Capital gain | £52,725 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,029 (60.16%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173159615)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173764244] MK9 — Milton Keynes
**2bed Flat** | £260,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.08% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.89%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £260,000 |
| Deposit (25%) | £65,000 |
| Mortgage (75% LTV) | £195,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £894 |
| SDLT (5.2% effective) | £13,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£93,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £894 | £10,725 |
| **Net cashflow** | **£-51** ❌ | **£-613** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-613
  Total Cash Invested  :  £93,149
  ─────────────────────────────────────────
  ROCE = £-613 ÷ £93,149 × 100
       = -0.66% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £260,000 |
| 5yr capital growth (Hector) | 20.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£313,300** |
| Capital gain | £53,300 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£54,596 (58.61%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173764244)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173762867] MK16 0FE — Milton Keynes
**2bed Flat** | £218,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.06% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.64%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £218,000 |
| Deposit (25%) | £54,500 |
| Mortgage (75% LTV) | £163,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £749 |
| SDLT (5.0% effective) | £10,900 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£80,049** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £749 | £8,992 |
| **Net cashflow** | **£93** ❌ | **£1,119** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,119
  Total Cash Invested  :  £80,049
  ─────────────────────────────────────────
  ROCE = £1,119 ÷ £80,049 × 100
       = 1.4% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £218,000 |
| 5yr capital growth (Hector) | 17.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£256,150** |
| Capital gain | £38,150 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,108 (60.1%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173762867)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173762864] MK16 0FE — Milton Keynes
**2bed Flat** | £207,500 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.36% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.87%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £207,500 |
| Deposit (25%) | £51,875 |
| Mortgage (75% LTV) | £155,625 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £713 |
| SDLT (5.0% effective) | £10,375 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£76,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £713 | £8,559 |
| **Net cashflow** | **£129** ❌ | **£1,553** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,553
  Total Cash Invested  :  £76,899
  ─────────────────────────────────────────
  ROCE = £1,553 ÷ £76,899 × 100
       = 2.02% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £207,500 |
| 5yr capital growth (Hector) | 17.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£243,812** |
| Capital gain | £36,312 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,437 (62.99%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173762864)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173761898] MK4 — Milton Keynes
**2bed Flat** | £215,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.14% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.7%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £215,000 |
| Deposit (25%) | £53,750 |
| Mortgage (75% LTV) | £161,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £739 |
| SDLT (5.0% effective) | £10,750 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£79,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £739 | £8,869 |
| **Net cashflow** | **£104** ❌ | **£1,243** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,243
  Total Cash Invested  :  £79,149
  ─────────────────────────────────────────
  ROCE = £1,243 ÷ £79,149 × 100
       = 1.57% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £215,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£253,700** |
| Capital gain | £38,700 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,277 (62.26%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173761898)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173760713] MK — Milton Keynes
**3bed Semi-Detached** | £325,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.98% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.86%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £325,000 |
| Deposit (25%) | £81,250 |
| Mortgage (75% LTV) | £243,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,117 |
| SDLT (6.2% effective) | £20,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£117,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,117 | £13,406 |
| **Net cashflow** | **£-72** ❌ | **£-860** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-860
  Total Cash Invested  :  £117,099
  ─────────────────────────────────────────
  ROCE = £-860 ÷ £117,099 × 100
       = -0.73% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £325,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£385,125** |
| Capital gain | £60,125 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,179 (52.25%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173760713)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173759924] MK — Milton Keynes
**3bed Other** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£60,647 (48.19%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173759924)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173753693] MK6 — Milton Keynes
**3bed Terraced** | £285,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.68% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.4%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £285,000 |
| Deposit (25%) | £71,250 |
| Mortgage (75% LTV) | £213,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £980 |
| SDLT (5.6% effective) | £16,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£103,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £980 | £11,756 |
| **Net cashflow** | **£66** ❌ | **£790** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £790
  Total Cash Invested  :  £103,099
  ─────────────────────────────────────────
  ROCE = £790 ÷ £103,099 × 100
       = 0.77% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £285,000 |
| 5yr capital growth (Hector) | 20.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£342,000** |
| Capital gain | £57,000 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£66,304 (64.31%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173753693)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-87397005] MK — Milton Keynes
**4bed Terraced** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Management fee (10% of rent) | £170 | £2,040 |
| Maintenance reserve (5% of rent) | — | £1,020 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £785 |
| **Net rent** | **£1,330** | **£15,955** |

- **Gross Yield:** 5.83% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.56%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £12,800 |
| **Total cash invested** | **£127,049** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Running costs | £370 | £4,445 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£126** ❌ | **£1,517** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,517
  Total Cash Invested  :  £127,049
  ─────────────────────────────────────────
  ROCE = £1,517 ÷ £127,049 × 100
       = 1.19% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £108,740 |
| **Total 5yr return (net)** | **£79,077 (62.24%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/87397005)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173741045] MK — Milton Keynes
**3bed Detached** | £325,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.98% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.86%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £325,000 |
| Deposit (25%) | £81,250 |
| Mortgage (75% LTV) | £243,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,117 |
| SDLT (6.2% effective) | £20,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£117,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,117 | £13,406 |
| **Net cashflow** | **£-72** ❌ | **£-860** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-860
  Total Cash Invested  :  £117,099
  ─────────────────────────────────────────
  ROCE = £-860 ÷ £117,099 × 100
       = -0.73% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £325,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£385,125** |
| Capital gain | £60,125 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,179 (52.25%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173741045)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173740805] MK3 — Milton Keynes
**3bed Terraced** | £300,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.18%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £300,000 |
| Deposit (25%) | £75,000 |
| Mortgage (75% LTV) | £225,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£108,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£14** ❌ | **£171** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £171
  Total Cash Invested  :  £108,349
  ─────────────────────────────────────────
  ROCE = £171 ÷ £108,349 × 100
       = 0.16% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £300,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£355,500** |
| Capital gain | £55,500 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,710 (56.95%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173740805)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173739482] MK2 — Milton Keynes
**3bed Terraced** | £280,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.79% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.48%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £280,000 |
| Deposit (25%) | £70,000 |
| Mortgage (75% LTV) | £210,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £962 |
| SDLT (5.5% effective) | £15,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£101,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £962 | £11,550 |
| **Net cashflow** | **£83** ❌ | **£996** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £996
  Total Cash Invested  :  £101,349
  ─────────────────────────────────────────
  ROCE = £996 ÷ £101,349 × 100
       = 0.98% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £280,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£333,200** |
| Capital gain | £53,200 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£63,535 (62.69%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173739482)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173544209] MK — Milton Keynes
**4bed Semi-Detached** | £315,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Management fee (10% of rent) | £170 | £2,040 |
| Maintenance reserve (5% of rent) | — | £1,020 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £785 |
| **Net rent** | **£1,330** | **£15,955** |

- **Gross Yield:** 6.48% ❌ *(target ≥6.5%)*
- **Net Yield:** 5.07%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £315,000 |
| Deposit (25%) | £78,750 |
| Mortgage (75% LTV) | £236,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,083 |
| SDLT (6.0% effective) | £19,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £12,800 |
| **Total cash invested** | **£114,799** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,700 | £20,400 |
| Running costs | £370 | £4,445 |
| Mortgage payment | £1,083 | £12,994 |
| **Net cashflow** | **£247** ✅ | **£2,961** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,961
  Total Cash Invested  :  £114,799
  ─────────────────────────────────────────
  ROCE = £2,961 ÷ £114,799 × 100
       = 2.58% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £315,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£373,275** |
| Capital gain | £58,275 |
| 5yr gross rental income | £108,740 |
| **Total 5yr return (net)** | **£79,820 (69.53%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173544209)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173735405] MK7 6BB — Milton Keynes
**2bed Flat** | £305,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.33% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.32%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £305,000 |
| Deposit (25%) | £76,250 |
| Mortgage (75% LTV) | £228,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,048 |
| SDLT (5.9% effective) | £18,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£108,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,048 | £12,581 |
| **Net cashflow** | **£-206** ❌ | **£-2,469** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-2,469
  Total Cash Invested  :  £108,899
  ─────────────────────────────────────────
  ROCE = £-2,469 ÷ £108,899 × 100
       = -2.27% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £305,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£359,900** |
| Capital gain | £54,900 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£46,915 (43.08%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173735405)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173726204] MK — Milton Keynes
**2bed Terraced** | £325,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.06% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.11%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £325,000 |
| Deposit (25%) | £81,250 |
| Mortgage (75% LTV) | £243,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,117 |
| SDLT (6.2% effective) | £20,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£115,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,117 | £13,406 |
| **Net cashflow** | **£-275** ❌ | **£-3,294** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-3,294
  Total Cash Invested  :  £115,899
  ─────────────────────────────────────────
  ROCE = £-3,294 ÷ £115,899 × 100
       = -2.84% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £325,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£385,125** |
| Capital gain | £60,125 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,015 (41.43%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173726204)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-171858488] MK6 — Milton Keynes
**2bed Flat** | £170,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 7.76% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.95%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £170,000 |
| Deposit (25%) | £42,500 |
| Mortgage (75% LTV) | £127,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £584 |
| SDLT (5.0% effective) | £8,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£65,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £584 | £7,012 |
| **Net cashflow** | **£258** ✅ | **£3,099** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £3,099
  Total Cash Invested  :  £65,649
  ─────────────────────────────────────────
  ROCE = £3,099 ÷ £65,649 × 100
       = 4.72% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £170,000 |
| 5yr capital growth (Hector) | 20.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£204,000** |
| Capital gain | £34,000 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£53,858 (82.04%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/171858488)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-87653016] MK6 — Milton Keynes
**2bed Flat** | £195,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.77% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.19%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £195,000 |
| Deposit (25%) | £48,750 |
| Mortgage (75% LTV) | £146,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £670 |
| SDLT (5.0% effective) | £9,750 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£73,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £670 | £8,044 |
| **Net cashflow** | **£172** ✅ | **£2,068** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,068
  Total Cash Invested  :  £73,149
  ─────────────────────────────────────────
  ROCE = £2,068 ÷ £73,149 × 100
       = 2.83% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £195,000 |
| 5yr capital growth (Hector) | 20.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£234,000** |
| Capital gain | £39,000 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£53,702 (73.41%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/87653016)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173725697] MK1 — Milton Keynes
**3bed Semi-Detached** | £240,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 6.75% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.23%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £240,000 |
| Deposit (25%) | £60,000 |
| Mortgage (75% LTV) | £180,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £825 |
| SDLT (5.0% effective) | £12,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£87,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £825 | £9,900 |
| **Net cashflow** | **£221** ✅ | **£2,646** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,646
  Total Cash Invested  :  £87,849
  ─────────────────────────────────────────
  ROCE = £2,646 ÷ £87,849 × 100
       = 3.01% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £240,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£285,600** |
| Capital gain | £45,600 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£64,185 (73.06%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173725697)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173724236] MK — Milton Keynes
**2bed Flat** | £200,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.6% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.06%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £200,000 |
| Deposit (25%) | £50,000 |
| Mortgage (75% LTV) | £150,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £688 |
| SDLT (5.0% effective) | £10,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£74,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £688 | £8,250 |
| **Net cashflow** | **£155** ✅ | **£1,862** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,862
  Total Cash Invested  :  £74,649
  ─────────────────────────────────────────
  ROCE = £1,862 ÷ £74,649 × 100
       = 2.49% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £200,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£237,000** |
| Capital gain | £37,000 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,671 (67.88%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173724236)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173724083] MK17 — Milton Keynes
**2bed Terraced** | £335,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 3.94% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.02%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £335,000 |
| Deposit (25%) | £83,750 |
| Mortgage (75% LTV) | £251,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,152 |
| SDLT (6.3% effective) | £21,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£119,399** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,152 | £13,819 |
| **Net cashflow** | **£-309** ❌ | **£-3,707** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-3,707
  Total Cash Invested  :  £119,399
  ─────────────────────────────────────────
  ROCE = £-3,707 ÷ £119,399 × 100
       = -3.1% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £335,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£398,650** |
| Capital gain | £63,650 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,477 (41.44%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173724083)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172763525] MK — Milton Keynes
**2bed Terraced** | £265,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.98% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.82%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £265,000 |
| Deposit (25%) | £66,250 |
| Mortgage (75% LTV) | £198,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £911 |
| SDLT (5.3% effective) | £14,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£94,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £911 | £10,931 |
| **Net cashflow** | **£-68** ❌ | **£-819** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-819
  Total Cash Invested  :  £94,899
  ─────────────────────────────────────────
  ROCE = £-819 ÷ £94,899 × 100
       = -0.86% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £265,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£314,025** |
| Capital gain | £49,025 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,290 (51.94%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172763525)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173705018] MK14 — Milton Keynes
**3bed Terraced** | £285,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.68% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.4%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £285,000 |
| Deposit (25%) | £71,250 |
| Mortgage (75% LTV) | £213,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £980 |
| SDLT (5.6% effective) | £16,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£103,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £980 | £11,756 |
| **Net cashflow** | **£66** ❌ | **£790** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £790
  Total Cash Invested  :  £103,099
  ─────────────────────────────────────────
  ROCE = £790 ÷ £103,099 × 100
       = 0.77% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £285,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£339,150** |
| Capital gain | £54,150 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£63,454 (61.55%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173705018)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173706794] MK — Milton Keynes
**3bed Terraced** | £315,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.14% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.98%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £315,000 |
| Deposit (25%) | £78,750 |
| Mortgage (75% LTV) | £236,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,083 |
| SDLT (6.0% effective) | £19,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£113,599** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,083 | £12,994 |
| **Net cashflow** | **£-37** ❌ | **£-447** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-447
  Total Cash Invested  :  £113,599
  ─────────────────────────────────────────
  ROCE = £-447 ÷ £113,599 × 100
       = -0.39% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £315,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£373,275** |
| Capital gain | £58,275 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,391 (54.04%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173706794)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173705375] MK13 — Milton Keynes
**2bed Flat** | £175,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 7.54% ✅ *(target ≥6.5%)*
- **Net Yield:** 5.78%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £175,000 |
| Deposit (25%) | £43,750 |
| Mortgage (75% LTV) | £131,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £602 |
| SDLT (5.0% effective) | £8,750 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£67,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £602 | £7,219 |
| **Net cashflow** | **£241** ✅ | **£2,893** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £2,893
  Total Cash Invested  :  £67,149
  ─────────────────────────────────────────
  ROCE = £2,893 ÷ £67,149 × 100
       = 4.31% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £175,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£208,250** |
| Capital gain | £33,250 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£52,077 (77.55%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173705375)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-163825040] MK — Milton Keynes
**2bed Terraced** | £270,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.89% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.75%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £270,000 |
| Deposit (25%) | £67,500 |
| Mortgage (75% LTV) | £202,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £928 |
| SDLT (5.4% effective) | £14,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£96,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £928 | £11,138 |
| **Net cashflow** | **£-85** ❌ | **£-1,026** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,026
  Total Cash Invested  :  £96,649
  ─────────────────────────────────────────
  ROCE = £-1,026 ÷ £96,649 × 100
       = -1.06% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £270,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£319,950** |
| Capital gain | £49,950 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,183 (50.89%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/163825040)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173702924] MK12 — Milton Keynes
**3bed Semi-Detached** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 19.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£416,500** |
| Capital gain | £66,500 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,397 (49.58%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173702924)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173701652] MK — Milton Keynes
**3bed Semi-Detached** | £265,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 6.11% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.73%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £265,000 |
| Deposit (25%) | £66,250 |
| Mortgage (75% LTV) | £198,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £911 |
| SDLT (5.3% effective) | £14,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£96,099** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £911 | £10,931 |
| **Net cashflow** | **£135** ❌ | **£1,615** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,615
  Total Cash Invested  :  £96,099
  ─────────────────────────────────────────
  ROCE = £1,615 ÷ £96,099 × 100
       = 1.68% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £265,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£314,025** |
| Capital gain | £49,025 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£62,454 (64.99%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173701652)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173699540] MK — Milton Keynes
**3bed Semi-Detached** | £300,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.18%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £300,000 |
| Deposit (25%) | £75,000 |
| Mortgage (75% LTV) | £225,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£108,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£14** ❌ | **£171** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £171
  Total Cash Invested  :  £108,349
  ─────────────────────────────────────────
  ROCE = £171 ÷ £108,349 × 100
       = 0.16% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £300,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£355,500** |
| Capital gain | £55,500 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,710 (56.95%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173699540)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173698112] MK3 — Milton Keynes
**2bed Detached** | £325,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.06% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.11%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £325,000 |
| Deposit (25%) | £81,250 |
| Mortgage (75% LTV) | £243,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,117 |
| SDLT (6.2% effective) | £20,000 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£115,899** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,117 | £13,406 |
| **Net cashflow** | **£-275** ❌ | **£-3,294** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-3,294
  Total Cash Invested  :  £115,899
  ─────────────────────────────────────────
  ROCE = £-3,294 ÷ £115,899 × 100
       = -2.84% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £325,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£385,125** |
| Capital gain | £60,125 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,015 (41.43%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173698112)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173696819] MK — Milton Keynes
**2bed Flat** | £210,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 6.29% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.82%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £210,000 |
| Deposit (25%) | £52,500 |
| Mortgage (75% LTV) | £157,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £722 |
| SDLT (5.0% effective) | £10,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£77,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £722 | £8,662 |
| **Net cashflow** | **£121** ❌ | **£1,449** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £1,449
  Total Cash Invested  :  £77,649
  ─────────────────────────────────────────
  ROCE = £1,449 ÷ £77,649 × 100
       = 1.87% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £210,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£248,850** |
| Capital gain | £38,850 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,458 (64.98%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173696819)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173691623] MK — Milton Keynes
**2bed Semi-Detached** | £300,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.37%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £300,000 |
| Deposit (25%) | £75,000 |
| Mortgage (75% LTV) | £225,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£107,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£-189** ❌ | **£-2,263** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-2,263
  Total Cash Invested  :  £107,149
  ─────────────────────────────────────────
  ROCE = £-2,263 ÷ £107,149 × 100
       = -2.11% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £300,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£355,500** |
| Capital gain | £55,500 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£48,546 (45.31%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173691623)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172264085] MK — Milton Keynes
**3bed Terraced** | £299,995 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.4% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.18%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £299,995 |
| Deposit (25%) | £74,999 |
| Mortgage (75% LTV) | £224,996 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,031 |
| SDLT (5.8% effective) | £17,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£108,347** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,031 | £12,375 |
| **Net cashflow** | **£14** ❌ | **£172** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £172
  Total Cash Invested  :  £108,347
  ─────────────────────────────────────────
  ROCE = £172 ÷ £108,347 × 100
       = 0.16% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £299,995 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£355,494** |
| Capital gain | £55,499 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,710 (56.96%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172264085)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173681204] MK7 — Milton Keynes
**2bed Flat** | £310,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 4.26% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.26%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £310,000 |
| Deposit (25%) | £77,500 |
| Mortgage (75% LTV) | £232,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,066 |
| SDLT (6.0% effective) | £18,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£110,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £1,066 | £12,788 |
| **Net cashflow** | **£-223** ❌ | **£-2,676** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-2,676
  Total Cash Invested  :  £110,649
  ─────────────────────────────────────────
  ROCE = £-2,676 ÷ £110,649 × 100
       = -2.42% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £310,000 |
| 5yr capital growth (Hector) | 18.0% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£365,800** |
| Capital gain | £55,800 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£46,783 (42.28%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173681204)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172796012] MK — Milton Keynes
**2bed Flat** | £230,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.74% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.4%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £230,000 |
| Deposit (25%) | £57,500 |
| Mortgage (75% LTV) | £172,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £791 |
| SDLT (5.0% effective) | £11,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£83,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £791 | £9,488 |
| **Net cashflow** | **£52** ❌ | **£624** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £624
  Total Cash Invested  :  £83,649
  ─────────────────────────────────────────
  ROCE = £624 ÷ £83,649 × 100
       = 0.75% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £230,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£272,550** |
| Capital gain | £42,550 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,033 (59.81%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172796012)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173670872] MK — Milton Keynes
**2bed Flat** | £152,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 8.68% ✅ *(target ≥6.5%)*
- **Net Yield:** 6.65%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £152,000 |
| Deposit (25%) | £38,000 |
| Mortgage (75% LTV) | £114,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £522 |
| SDLT (5.0% effective) | £7,600 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£60,249** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £522 | £6,270 |
| **Net cashflow** | **£320** ✅ | **£3,842** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £3,842
  Total Cash Invested  :  £60,249
  ─────────────────────────────────────────
  ROCE = £3,842 ÷ £60,249 × 100
       = 6.38% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £152,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£180,120** |
| Capital gain | £28,120 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£51,691 (85.8%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173670872)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-172094792] MK — Milton Keynes
**2bed Flat** | £230,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.74% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.4%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £230,000 |
| Deposit (25%) | £57,500 |
| Mortgage (75% LTV) | £172,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £791 |
| SDLT (5.0% effective) | £11,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£83,649** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £791 | £9,488 |
| **Net cashflow** | **£52** ❌ | **£624** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £624
  Total Cash Invested  :  £83,649
  ─────────────────────────────────────────
  ROCE = £624 ÷ £83,649 × 100
       = 0.75% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £230,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£272,550** |
| Capital gain | £42,550 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,033 (59.81%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/172094792)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-153038843] MK — Milton Keynes
**2bed Flat** | £147,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 8.98% ✅ *(target ≥6.5%)*
- **Net Yield:** 6.88%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £147,000 |
| Deposit (25%) | £36,750 |
| Mortgage (75% LTV) | £110,250 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £505 |
| SDLT (5.0% effective) | £7,350 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£58,749** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £505 | £6,064 |
| **Net cashflow** | **£337** ✅ | **£4,048** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £4,048
  Total Cash Invested  :  £58,749
  ─────────────────────────────────────────
  ROCE = £4,048 ÷ £58,749 × 100
       = 6.89% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £147,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£174,195** |
| Capital gain | £27,195 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£51,797 (88.17%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/153038843)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173644043] MK — Milton Keynes
**3bed Semi-Detached** | £320,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 5.06% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.92%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £320,000 |
| Deposit (25%) | £80,000 |
| Mortgage (75% LTV) | £240,000 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,100 |
| SDLT (6.1% effective) | £19,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£115,349** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,100 | £13,200 |
| **Net cashflow** | **£-54** ❌ | **£-654** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-654
  Total Cash Invested  :  £115,349
  ─────────────────────────────────────────
  ROCE = £-654 ÷ £115,349 × 100
       = -0.57% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £320,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£379,200** |
| Capital gain | £59,200 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£61,285 (53.13%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173644043)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-169891622] MK — Milton Keynes
**3bed Bungalow** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£60,647 (48.19%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/169891622)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173162075] MK — Milton Keynes
**2bed Terraced** | £245,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.39% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.13%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £245,000 |
| Deposit (25%) | £61,250 |
| Mortgage (75% LTV) | £183,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £842 |
| SDLT (5.0% effective) | £12,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£88,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £842 | £10,106 |
| **Net cashflow** | **£0** ❌ | **£6** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £6
  Total Cash Invested  :  £88,149
  ─────────────────────────────────────────
  ROCE = £6 ÷ £88,149 × 100
       = 0.01% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £245,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£290,325** |
| Capital gain | £45,325 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£49,715 (56.4%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173162075)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-173637911] MK — Milton Keynes
**3bed Semi-Detached** | £350,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Management fee (10% of rent) | £135 | £1,620 |
| Maintenance reserve (5% of rent) | — | £810 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £624 |
| **Net rent** | **£1,046** | **£12,546** |

- **Gross Yield:** 4.63% ❌ *(target ≥6.5%)*
- **Net Yield:** 3.58%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £350,000 |
| Deposit (25%) | £87,500 |
| Mortgage (75% LTV) | £262,500 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £1,203 |
| SDLT (6.4% effective) | £22,500 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £11,600 |
| **Total cash invested** | **£125,849** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,350 | £16,200 |
| Running costs | £304 | £3,654 |
| Mortgage payment | £1,203 | £14,438 |
| **Net cashflow** | **£-158** ❌ | **£-1,891** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £-1,891
  Total Cash Invested  :  £125,849
  ─────────────────────────────────────────
  ROCE = £-1,891 ÷ £125,849 × 100
       = -1.5% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £350,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£414,750** |
| Capital gain | £64,750 |
| 5yr gross rental income | £86,353 |
| **Total 5yr return (net)** | **£60,647 (48.19%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/173637911)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

### [RM-170506442] MK — Milton Keynes
**2bed Flat** | £225,000 | Flags: None

#### 💰 Rental Yield
| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Management fee (10% of rent) | £110 | £1,320 |
| Maintenance reserve (5% of rent) | — | £660 |
| Insurance | — | £400 |
| Accountancy | — | £200 |
| Void periods (2 wks) | — | £508 |
| **Net rent** | **£843** | **£10,112** |

- **Gross Yield:** 5.87% ❌ *(target ≥6.5%)*
- **Net Yield:** 4.49%

#### 🏦 Capital Structure & Cashflow
| | |
|---|---|
| Asking price | £225,000 |
| Deposit (25%) | £56,250 |
| Mortgage (75% LTV) | £168,750 |
| Mortgage rate (interest-only) | 5.5% |
| Monthly mortgage payment | £773 |
| SDLT (5.0% effective) | £11,250 |
| Legal + survey + broker + searches | £2,900 |
| Mortgage fees (arrangement + valuation) | £1,349 |
| Refurbishment reserve | £10,400 |
| **Total cash invested** | **£82,149** |

| | Monthly | Annual |
|---|---|---|
| Gross rent | £1,100 | £13,200 |
| Running costs | £257 | £3,088 |
| Mortgage payment | £773 | £9,281 |
| **Net cashflow** | **£69** ❌ | **£831** |

#### 📐 ROCE Calculation
```
  Annual Net Cashflow  :  £831
  Total Cash Invested  :  £82,149
  ─────────────────────────────────────────
  ROCE = £831 ÷ £82,149 × 100
       = 1.01% ❌ (target ≥8.0%)
```

#### 📈 5-Year Projections
| | |
|---|---|
| Current asking price | £225,000 |
| 5yr capital growth (Hector) | 18.5% ✅ *(target ≥15%)* |
| **Projected 5yr value** | **£266,625** |
| Capital gain | £41,625 |
| 5yr gross rental income | £70,361 |
| **Total 5yr return (net)** | **£50,140 (61.04%)** |

*Key growth drivers: East West Rail (Oxford–Cambridge Arc) — connects MK to Oxford & Cambridge; Milton Keynes City status 2023 — increased investment & regeneration*

#### 🔗 Links
- **Portal listing:** [Rightmove](https://www.rightmove.co.uk/properties/170506442)
- **Agent:** N/A 
- **Deal Pack:** *Not yet generated — add link here*

---

*Report generated by Iris — Puffer-Properties-R Automated Pipeline | Run `rm_live_20260328`*