Stable but exposed
Property Portfolio (BTL Landlord)
Owns the family home plus a buy-to-let flat. Tied up in property; the BTL renews onto a higher variable rate next year.
Asset base is strong but concentrated. The BTL renewal is the largest near-term risk; build cash and review rent before the variable rate resets.
// Snapshot
Net worth
$361,800
Free cash flow
$1,282/mo
23.7% of net income
Liquidity
0.4 mo
cash ÷ total expenses
Net income
$5,400/mo
Example data — calculated using the same logic as your inputs.
