DiscoverThe Inside Property Investing Podcast | Inspiration and advice from a decade investing in UK real estateHe Got a “Zero” Valuation on His First HMO. Here’s What Jay Did Next.
He Got a “Zero” Valuation on His First HMO. Here’s What Jay Did Next.

He Got a “Zero” Valuation on His First HMO. Here’s What Jay Did Next.

Update: 2025-09-16
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When Jay bought his first investment property, he didn’t think it would turn into a two-year battle - delayed by a party wall surveyor, derailed by a rogue contractor, and topped off with a “nil valuation” from the bank at refinance.

Most people would’ve walked away. But Jay didn’t.

He project-managed the second half himself, found a way through the setbacks, and still came out the other side with a fully tenanted HMO, £800 a month in cashflow, and a lot of lessons to carry on to his next deal.

In this episode, we talk about what kept him going, what he learned the hard way, and how he used that painful experience to build a simpler, more resilient strategy - one that fits around his job, his family, and the life he actually wants to create.

Whether you’re just getting started, or bouncing back from your own nightmare project, Jay's story is full of honesty, lessons, and quiet confidence.

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He Got a “Zero” Valuation on His First HMO. Here’s What Jay Did Next.

He Got a “Zero” Valuation on His First HMO. Here’s What Jay Did Next.