Investment Strategies

We use a range of creative property investment strategies to acquire, grow, and optimise our portfolio — and to deliver value to the sellers and partners we work with.

BRRR Strategy

Buy · Refurbish · Rent · Refinance

The BRRR strategy is the cornerstone of our investment approach. It allows us to build a property portfolio whilst recycling capital — meaning we don't need to start from scratch with each new acquisition.

Example Deal Numbers

Purchase price£80,000
Refurbishment cost£15,000
Total invested£95,000
Post-refurb value£130,000
Refinance at 75% LTV£97,500
Capital returned£97,500 — full recycle
Monthly rent (BTL)£650
Mortgage (est.)£380
Monthly cashflow+£270 (before mgmt/insurance)

This is a simplified illustration. Actual numbers depend on the deal, mortgage rates, and market conditions. The key principle is that by adding value through refurbishment, we can refinance and pull out most (or all) of the invested capital — then repeat.

Lease Purchase Options

A Lease Purchase Option (also called a Lease Option or Vendor Finance arrangement) is a creative property acquisition method that benefits both the buyer and the seller — particularly sellers who want to exit a property but aren't ready or able to sell in the traditional way.

How It Works

  1. Agreement: BPI and the seller agree on a purchase price today (locked in for the future), and BPI takes control of the property.
  2. Lease: BPI pays the seller a monthly amount — typically equal to or above the mortgage payment — for an agreed period (usually 1–5 years).
  3. Option: At the end of the term, BPI exercises the option to purchase the property at the pre-agreed price.
  4. Completion: The property legally transfers at the end of the term via a standard conveyancing process.

Benefits for Sellers

  • ✓ No estate agent fees (save 1–3% of the sale price)
  • ✓ Guaranteed monthly income throughout the term
  • ✓ Mortgage payments covered — no more financial stress
  • ✓ Flexible completion — no pressure to rush
  • ✓ Property professionally managed by BPI throughout
  • ✓ Price locked in today, protecting against market uncertainty

Lease purchase arrangements are particularly well-suited to landlords looking to exit, people who have inherited a property, or homeowners who are struggling to sell in a slow market.

HMO Investment

A House in Multiple Occupation (HMO) is a property let to three or more tenants who are not from the same household but share common areas such as a kitchen and bathroom.

HMOs typically generate significantly higher yields than standard buy-to-let properties — often 2–3× more rental income from the same property. Our six-bedroom HMO in Swansea is a prime example of this strategy in action.

Why HMOs?

  • ✓ Higher gross yields (often 8–15% vs 4–6% for standard BTL)
  • ✓ Multiple income streams — one void doesn't kill the cashflow
  • ✓ Strong demand from students, young professionals, and key workers
  • ✓ Swansea and South Wales have excellent HMO demand near universities and hospitals

Licensing

HMOs in Wales with 5 or more occupants require a mandatory HMO licence from the local authority. We ensure full compliance with licensing, fire safety, and all Rent Smart Wales requirements on all our HMO properties.