real-estate-investment-uk

name	real-estate-investment-uk
description	Use for property investment, short-term rental/Airbnb deal analysis, buy-to-let, cap rate, cash-on-cash return, NOI, DSCR, occupancy breakeven, rent-to-price, market comps, AirDNA-style STR analysis, and investor-ready real estate reports. Defaults to GBP when currency is not specified.

Real Estate Investment UK

Default to GBP unless the user specifies another currency.

Deal Workflow

1. Define property type, strategy, location, hold period, financing, and target output.
2. Gather assumptions: purchase price, deposit/equity, debt terms, rent/ADR, occupancy, fees, operating expenses, capex, taxes, and management.
3. Build pro forma: gross income, vacancy, effective gross income, opex, NOI, debt service, pre-tax cash flow.
4. Calculate returns and risk metrics.
5. Stress test occupancy, ADR/rent, interest rate, opex, and capex.
6. Give a go/no-go view with assumptions, risks, and what data would change the answer.

Core Metrics

• NOI = effective gross income - operating expenses.
• Cap rate = NOI / property value.
• Cash-on-cash = annual pre-tax cash flow / total cash invested.
• DSCR = NOI / annual debt service.
• Occupancy breakeven = fixed costs + debt service divided by gross potential income.
• STR revenue = ADR x occupied nights, less platform/cleaning/management assumptions.

STR/Airbnb Checks

• Seasonality and local events.
• Local planning/licensing restrictions.
• Cleaning and linen cost per turn.
• Channel fees and payment processing.
• Management workload or manager fee.
• Base, bear, and bull occupancy/ADR.

Output Standard

Always include:

• Assumptions table.
• Monthly and annual pro forma.
• Cash-on-cash and occupancy breakeven.
• Sensitivity table for the two assumptions with highest impact.
• Recommendation with confidence level.

Source Notes

Distilled from github.com/aznatkoiny/zAI-Skills/real-estate-investment.