Home/Admin • Property WorkbenchAdmin only • isolated from A_ret

Portfolio Builder — Multi-BTL + Land Plots (UK/IN/US)

Total Market Value
£1,180,000
4 properties • geos UK/IN/US
Total Mortgage
£470,000
Excl. LAND_PLOT (no mortgage)
Net Equity
£710,000
Market − Mortgage
Monthly Net Rent
£1,925/mo
After 8% voids + 15% costs • 1.96% net yield

Strategy Delta — Hold vs Sell vs Downsize (RESIDENCE)

HOLD
Cash Released£0
Rental Lost (annual)£0
CGT Estimate£0
Yield1.96%
SELL
Cash Released£633,600
Rental Lost (annual)£23,100
CGT Estimate£52,800
Yield0.00%
DOWNSIZE
Cash Released£180,000
Rental Lost (annual)£0
CGT Estimate£0
Yield1.96%
Strategy
Equity £300,000 • Net £0/mo
Mortgage Payoff Curve — REPAYMENT 4%
Balance over months • 244 months • clears in 244 mo
Cash if sold £290,000
CGT est. £0
Yield 0.00% net • 0.00% gross
Month Table (amortization)
244 rows • like Phase 02 drill-down
MoPaymentInterestPrincipalBalance
1£1,200£667£533£199,467
2£1,200£665£535£198,932
3£1,200£663£537£198,395
4£1,200£661£539£197,856
5£1,200£660£540£197,315
6£1,200£658£542£196,773
7£1,200£656£544£196,229
8£1,200£654£546£195,683
9£1,200£652£548£195,135
10£1,200£650£550£194,586
11£1,200£649£551£194,035
12£1,200£647£553£193,481
13£1,200£645£555£192,926
14£1,200£643£557£192,369
15£1,200£641£559£191,811
16£1,200£639£561£191,250
17£1,200£637£563£190,687
18£1,200£636£564£190,123
19£1,200£634£566£189,557
20£1,200£632£568£188,989
21£1,200£630£570£188,419
22£1,200£628£572£187,847
23£1,200£626£574£187,273
24£1,200£624£576£186,697
25£1,200£622£578£186,119
26£1,200£620£580£185,540
27£1,200£618£582£184,958
28£1,200£617£583£184,375
29£1,200£615£585£183,789
30£1,200£613£587£183,202
31£1,200£611£589£182,613
32£1,200£609£591£182,021
33£1,200£607£593£181,428
34£1,200£605£595£180,833
35£1,200£603£597£180,236
36£1,200£601£599£179,637
37£1,200£599£601£179,035
38£1,200£597£603£178,432
39£1,200£595£605£177,827
40£1,200£593£607£177,220
41£1,200£591£609£176,610
42£1,200£589£611£175,999
43£1,200£587£613£175,386
44£1,200£585£615£174,770
45£1,200£583£617£174,153
46£1,200£581£619£173,533
47£1,200£578£622£172,912
48£1,200£576£624£172,288
49£1,200£574£626£171,663
50£1,200£572£628£171,035
51£1,200£570£630£170,405
52£1,200£568£632£169,773
53£1,200£566£634£169,139
54£1,200£564£636£168,503
55£1,200£562£638£167,864
56£1,200£560£640£167,224
57£1,200£557£643£166,581
58£1,200£555£645£165,936
59£1,200£553£647£165,290
60£1,200£551£649£164,641
61£1,200£549£651£163,989
62£1,200£547£653£163,336
63£1,200£544£656£162,680
64£1,200£542£658£162,023
65£1,200£540£660£161,363
66£1,200£538£662£160,701
67£1,200£536£664£160,036
68£1,200£533£667£159,370
69£1,200£531£669£158,701
70£1,200£529£671£158,030
71£1,200£527£673£157,357
72£1,200£525£675£156,681
73£1,200£522£678£156,004
74£1,200£520£680£155,324
75£1,200£518£682£154,641
76£1,200£515£685£153,957
77£1,200£513£687£153,270
78£1,200£511£689£152,581
79£1,200£509£691£151,889
80£1,200£506£694£151,196
81£1,200£504£696£150,500
82£1,200£502£698£149,801
83£1,200£499£701£149,101
84£1,200£497£703£148,398
85£1,200£495£705£147,692
86£1,200£492£708£146,985
87£1,200£490£710£146,275
88£1,200£488£712£145,562
89£1,200£485£715£144,847
90£1,200£483£717£144,130
91£1,200£480£720£143,411
92£1,200£478£722£142,689
93£1,200£476£724£141,964
94£1,200£473£727£141,238
95£1,200£471£729£140,508
96£1,200£468£732£139,777
97£1,200£466£734£139,043
98£1,200£463£737£138,306
99£1,200£461£739£137,567
100£1,200£459£741£136,826
101£1,200£456£744£136,082
102£1,200£454£746£135,335
103£1,200£451£749£134,587
104£1,200£449£751£133,835
105£1,200£446£754£133,081
106£1,200£444£756£132,325
107£1,200£441£759£131,566
108£1,200£439£761£130,805
109£1,200£436£764£130,041
110£1,200£433£767£129,274
111£1,200£431£769£128,505
112£1,200£428£772£127,733
113£1,200£426£774£126,959
114£1,200£423£777£126,182
115£1,200£421£779£125,403
116£1,200£418£782£124,621
117£1,200£415£785£123,836
118£1,200£413£787£123,049
119£1,200£410£790£122,259
120£1,200£408£792£121,467
… and 124 more months
Strategy
Equity £130,000 • Net £1,078/mo
Strategy
Equity £100,000 • Net £847/mo
Strategy
Equity £180,000 • Net £0/mo

Save-as-Pytest

POST /api/v1/admin/property/save-test → backend/tests/test_property_admin_*.py
Isolated workbench — not wired to A_ret. Uses PropertyEngine.mortgage_schedule / net_rental_yield / scenario_compare / tax_comparison_btl. Handles 0% APR / 0 balance • ValueError on negatives/low payment.
Handles 0% APR & 0 balance edges (ValueError on negatives). LAND_PLOT: no rent/mortgage. Multi-geo: UK/IN/US per property.