HMO Yield vs BTL Comparison Calculator

HMOs produce higher gross rent but carry higher running costs, higher licensing fees, higher management burden, and more compliance overhead.

Enter the property details once and get both scenarios: the property run as a single BTL (market rent, standard costs) vs the property run as an HMO (per-room rent, HMO-specific costs including licensing, management, bills-included structure if relevant).

Shows net profit for each scenario and the break-even occupancy rate for the HMO path. Covers the full economic picture — many "8% yield HMO" calculations miss half the costs.