When I moved in with my partner, I kept my flat. Suddenly, I found myself a landlord. The rent would just about cover mortgage and expenses, I thought. In fact, now I divert hundreds of pounds a month from my employment income to the property. (See my personal cashflow here.

What will my monthly bottom line be? If you are considering becoming a landlord, arguably this is the most pressing question. The importance of monthly cashflow cannot be understated. It determines whether at the end of each month you will have more in your pocket after starting the letting business,