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The missing figure is your normal monthly essential spending, including the new mortgage. Six months of expenses could consume a very different amount depending on the household. Also, is the country home standalone, or does it have recurring management or service charges? That changes what is...

Financing could overwhelm fairly small changes in operating assumptions. If debt is involved, run the cash flow with the proposed terms, a higher interest-cost scenario and an energy repair occurring earlier than planned. Keep principal repayment separate from expenses so you can distinguish...

The missing figure is expected vacancy time. Work out three cases: tenant stays after a modest rise, tenant leaves and the studio is filled quickly, or it sits empty and needs work. Include deposit settlement and any maintenance already deferred. That makes the retention discount visible instead...