Free tool
HMO deal stacker
Run a potential HMO through the numbers — purchase, refurb, rooms, rents and finance — and see the yield, monthly cashflow, return on your cash, and whether it clears a lender’s stress test. Save deals to this browser or export a PDF.
Start stackingWorked example · 6-bed HMO
Monthly cashflow
£1,354
Return on cash
13.3%
Purchase
Additional-property SDLT, England
Finance
Rental income
per week
Lender stress test
Monthly running costs
Refinance (BRRR)
Model pulling money back out after the refurb, against the post-works value.
Monthly cashflow
£1,354Return on cash
13.3%This deal stacks
Positive cashflow · clears lender stress test
Gross yield (on cost)
13.2%Gross yield (on value)
12.7%Net yield
9.2%Equity created
£12,500Monthly cashflow as rates change
Estimates only, for England. Stamp duty is auto-calculated from the additional-property SDLT bands; the lender test uses 145.0% cover at 8.5%. Check the figures with your broker and accountant.
HMO deal
Prepared 20 June 2026
Inputs
Monthly running costs
Results
Lender stress test
On these figures, this deal stacks. (positive cashflow; clears a 145% cover test at 8.5%.)
ZuroProp HMO deal stacker · zuroprop.co.uk · Estimates only for England, not financial advice. Check the figures with your mortgage broker and accountant.