Lenders stress-test buy-to-lets at 125–145% of interest. Run the same test: does the rent cover the mortgage, the fees and a void month without bleeding cash?
Interest coverage ratio at the stress rate — the exact test banks run.
Two weeks empty every year quietly destroys the yield. Now it's priced in.
Rent minus mortgage minus management, insurance and repairs. Positive means real.
All calculations run locally in your browser. Nothing is sent anywhere.
Stress the deal before the bank does.