Cash or growth calculator
Every property leans one way. Score a prospective purchase on cashflow and growth using the numbers (yield, DSCR) and the structural factors that actually drive each — property type, land content, location, and the local trajectory.
This property is more likely to pay you now than compound quickly.
How this is scored
Net yield and DSCR/ICR come from the same interest-only math as thecash flow forecast calculator: annual rent less vacancy, management fees, and other outgoings, against the loan's interest cost. We show it as "DSCR/ICR" rather than just DSCR because UK buy-to-let lenders call this ratio ICR (Interest Coverage Ratio, typically required at 125–145%), while DSCR is the more common label in AU/US commercial and specialist-lending contexts — same calculation, different regional name. Everything else — property type, location tier, transport, school catchment, socio-economic trajectory, supply pipeline, build era, university/hospital proximity, and improvement potential — is scored against documented tendencies in how capital growth and rental yield actually behave (land appreciates, buildings depreciate; supply-constrained locations compress in yield as they grow; oversupply softens both rent and price growth; university and hospital precincts anchor a deep, stable renter pool almost independent of the wider market). Weights are directional, not a valuation model — treat the verdict as a prompt to interrogate the deal, not a substitute for due diligence.