For UK HMO Investors
Will This Property Actually Work As An HMO?
UPA reads any property listing and models it as an HMO - room-by-room rental income, total cashflow, ROI and comparable rents. Know if the numbers work before you buy, not after you've spent on planning and fire doors.
Analyse My First HMO Free48 hours of free deal analyses · No card · Installs in ~30 seconds
Runs right on top of the listings you already use:
No new workflow. No exporting to a spreadsheet.
An HMO Is Only As Good As Its Room Income
The listing looks like a solid HMO conversion. Five double rooms, £450 each, the numbers stack on the back of a fag packet. So you buy, you convert, you licence - and only then do you find two rooms won't pass HMO standards, the achievable rent is £380 not £450, and the cashflow is negative.
That's how HMO investors lose money. Not because the strategy is wrong, but because they're guessing at achievable room rents, true conversion costs, and licensing requirements - across five tabs, under pressure, before someone else offers.
Your spreadsheet calculates the HMO income. It doesn't challenge the room rents behind it.
From Listing To HMO Verdict In Under Two Minutes
Open any listing
Find a property on Rightmove, Zoopla, OnTheMarket or any property site.
Click Analyse Deal
UPA reads the listing and models the HMO income, costs and cashflow.
Read the verdict
Room income, total cashflow, ROI and the downside - all on the page.
The Part Other HMO Calculators Skip
Most Calculators Show You Cashflow At Full Rooms. UPA Shows You What Happens When Rents Drop.
Any tool can tell you an HMO cashflows £1,200 a month at the expected room rents. The question that actually protects your money is: what happens when two rooms sit void and the others rent for less?
With one click, UPA runs your HMO through automatic sanity checks and downside scenarios, so you see the cashflow and ROI at 100%, 90% and 85% of your room income before you commit a penny.
Same property. Which number are you underwriting to?
That's the difference between an HMO that cashflows and one that drains you.
Stress-Test My First HMO Free
↑ At 90% of room rents, monthly cashflow drops to £640. Half gone.
Every Room. Every Rent. Every Conversion Cost.
The HMO is only as trustworthy as what feeds it. So UPA models the whole deal - room income, conversion costs, comparable rents and cashflow - not just the headline number.
Room-by-room income, modelled
See the total rental income broken down by room - so your cashflow rests on individual room rents, not a round-number guess.
Comparable rents, gathered for you
Nearby rental evidence and £/sqm, scored for relevance, so your room rents rest on evidence, not one optimistic estimate.
Every conversion cost, totalled
Purchase, conversion build costs, fire doors, licensing, stamp duty, finance - totalled into the real cash you need in.
What UPA Does On Every HMO
Room-by-room income. Total rental income broken down by individual room.
Monthly cashflow & ROI. What the HMO actually produces after all costs.
Comparable rents. Evidence for your room rents, not a guess.
Full conversion cost modelling. Purchase, build costs, fire doors, licensing, SDLT, finance.
Downside stress tests. Cashflow at 100%, 90% and 85% of room income.
Saved deals & exports. Keep a record of every HMO you screen.
It's not a replacement for professional due diligence or licensing advice. It's the fastest way to decide which HMO deserves it.
HMO Investors Are Screening Deals In Seconds, Not Evenings
UPA is live with a founding cohort of UK HMO investors who are screening deals in seconds, not evenings.
Real testimonials from founding members coming soon. If you're an early user with an HMO UPA caught, we'd love to hear your story.
We Built This Because We Were Guessing On Room Rents Too
We're UK developers and investors. We were modelling HMOs on round-number room rents - and we still nearly committed to a conversion where two rooms wouldn't licence and the cashflow was fiction.
So we built the tool we wished existed: open a listing, click once, and see the room income, the cashflow and the downside in one place.
Now we don't offer on an HMO without stress-testing the room rents first. Neither should you.
Keep Analysing Every HMO. Founding Investor Price.
Your first 48 hours are free. When you're ready for unlimited, lock in the founding price.
UPA Investor Pass
Unlimited HMO analysis for 12 months.
Total value £400+
£97 for 12 months
Founding Investor Price, locked while your membership stays active.
One payment for 12 months' access. It does not auto-charge. We'll remind you before it expires.
Founding price is for the first cohort of members. It rises for later ones.
The Risk Is Entirely On Us
Analyse 10 real deals in your first 14 days. If UPA doesn't catch at least one number you'd have gotten wrong on your own, email us for a full refund and keep your access anyway. The only way you lose is by guessing on your next deal without it.
Frequently Asked Questions
None. You get 48 hours of complete HMO analysis, every feature, no card. If it earns its place, you upgrade.
Your Next HMO Is On A Listing Right Now. Know The Room Income Before You Buy.
Install free, analyse real HMO deals for 48 hours, and see the room income, the cashflow and the downside - before you convert.
Analyse My First HMO Free48 hours free · No card · ~30 seconds