The New Rules of Property Analysis: Why Spreadsheets Are No Longer Enough

For years, a simple spreadsheet was enough. Rent minus mortgage equals profit. If the number was positive, you bought the house.

But in 2026, the margin for error is almost zero. Volatile interest rates, Section 24 tax, and rising compliance costs mean that a deal looking good on "Day 1" might be bankrupt by Year 3.

We built RealYield because spreadsheets struggle to answer the questions that actually matter today. With our latest platform update, we've introduced the tools serious investors need to navigate this new landscape.

1. Stress Testing: The "What If" Factor

Most investors calculate returns at today's interest rate. But what happens if rates hit 6% or 7%?

Our new Stress Test Engine allows you to instantly slide your interest rate up and down. Watch in real-time as your cashflow reacts. You can instantly see your "Break Even Rate"—the exact interest percentage where your profit hits zero.

If your break-even rate is 5.5% and lenders are offering 5%, you have no safety margin.

2. The 10-Year View (Forecasting)

Property is a long game, yet most analysis stops at month one. Our new Projection Module models the next decade of your investment.

It factors in:

• Rent inflation (compounding)
• Cost inflation (so services charges don't stay flat!)
• Capital appreciation

This reveals the "J-Curve" of property investing—how a deal that breaks even today might generate substantial wealth in year 7, or conversely, how a high-yield flat might become a liability as maintenance costs outpace rent.

3. Scenario Comparison: Head-to-Head

Should you buy in your personal name vs a Limited Company? Should you buy that HMO or two single-lets?

Our Comparison Mode lets you run scenarios side-by-side. No more opening five browser tabs. Load the "Ltd Co" template against the "Personal Name" template and see the net cash difference instantly.

4. AI Validation

Sometimes you just want a second opinion. Our integrated AI Analyst reads your entire deal configuration and offers an unbiased critique.

It spots risks you might miss (like high management fees relative to rent) and benchmarks your deal against typical market performance.

Analysis for the Modern Market

The "napkin calculation" era is over. To survive and thrive in 2026, you need to see the full picture—tax, timelines, and stress tests included.