I didnāt choose Rent-to-Rent because it was trendy. I chose it because it was the ONLY thing I could actually afford.
When I first looked at Buy-to-Let, everyone around me made it sound like the āproperā path. Save a big deposit, buy a house, pray the rent covers everything. But when I ran the numbers⦠reality hit me. A BTL in the North East usually needs Ā£25kāĀ£35k upfront, and the cashflow is around Ā£250āĀ£400/month (approx figures) At that time, I didnāt have Ā£25k spare. I barely had Ā£3k. Literally. My first ever 1-bed deal ā fully set up, furnished, supplies, TV, deposit, everything ā cost me Ā£3,000 in total (I'm still amazed how I pulled this off) That one deal changed my entire direction. And when I compared it to the cashflow⦠again, it shocked me: Ā£350āĀ£550/month from a Rent-to-Rent SA that cost a fraction of a BTL deposit. Same cashflow. 7ā10x less capital. (I don't enjoy the appreciation though) For someone starting with almost nothing, that was life-changing. I still respect Buy-to-Let. I still buy when the deal makes sense. But the truth is⦠Rent-to-Rent is what gave me a shot. Itās what allowed me to learn fast, make mistakes cheaply, and build momentum without waiting years to save a deposit. Both strategies work. But for me, R2R wasnāt a ābusiness model.ā It was a lifeline. A doorway into property when everything else felt out of reach. š What did you start with ā BTL, R2R, or something completely different? P.S. *In this picture, I had to walk for 2 miles like that, and do 2 more trips. All because I couldn't afford to pay for a taxi and wanted my set-up costs to be as low as possible x