So I guess, first of all, what was it that prompted that change?

Well, in 2022, my eldest daughter Felicity was born.

And obviously one thing you've realized very quickly is you cannot pay for your shopping or the nursery fees with equity.

So how was I going to produce cash? over and over again repeatedly to pay for all these things the children's clothes new shoes every month everyone goes through the same thing i actively didn't want to open up the construction company again which is now over so i do think that just took far too much time and always detracted from the development side so we started looking down the road of holding assets um So 2023, Hestia was formed and we obviously went out buying the buy-to-lets.

It became very, very apparent, very quick that your £300 and £400 a month from the average buy-to-let in today's market on profit on day one was probably just not going to cut it.

So HMOs is where we ended up, professional HMOs.

We could see the kind of cash flow.

I think a lot of people, and I'm sure a lot of people listening to this episode will feel or will have felt similar at some point.