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Case Studies

Real stories from real investors who transformed their financial futures through supported living property investment.

Family Legacy

Ivy & Yang's Story: Building Security for Their Twins Through West Midlands Supported Living

Investors Ivy (40) & Yang (36)

Background Hong Kong expatriates, small business owners

Location Birmingham, Wolverhampton

Investment Journey 2021 - Present

The Challenge

When Ivy and Yang moved from Hong Kong to Birmingham following the COVID-19 pandemic, they had aspirations to build wealth through property but lacked the knowledge and strategy to succeed. Their initial investments—two city centre flats in Birmingham, one for personal residence and one for Airbnb letting—quickly revealed their inexperience.

Poor understanding of return on investment (ROI) metrics

High void periods eating into capital and profits

Inability to manage problem tenants effectively

Running a furniture business simultaneously that underperformed

Panic-selling both flats with no capital gains after Section 21 concerns

After the birth of their twins, the couple realised they needed a comprehensive strategy—not just to generate income, but to create lasting security for their children's future, including access to quality education and the ability to afford a home in a good school catchment area.

The Solution: Partnering with SupportedLivingProperty.co.uk

Everything changed when they met Raja, their former landlord who became their mentor and property advisor. Through detailed consultations, Raja helped them understand:

Key Learning Points:

How to calculate true ROI beyond just rental income
Why relying solely on capital appreciation was risky in their situation
How inflation could erode their ability to provide for their children's future
The stability and lower risk profile of supported living investments
How long-term lease structures with care providers eliminated void concerns
The importance of strategic action now rather than waiting

Why Wolverhampton Made Sense

The West Midlands includes major cities like Birmingham, Coventry and Wolverhampton, with each area having distinct real estate markets and various strengths. For Ivy and Yang, Wolverhampton offered:

Affordability

Property prices approximately 40-50% lower than Birmingham city centre

Strong Transport Links

Direct tram line to Birmingham city centre for their business activities

Excellent Rental Demand

Growing population with housing need

Regeneration Momentum

Wolverhampton's ongoing urban renewal supporting long-term value

The Investment

Property Details

Type: 3-bedroom semi-detached converted to supported living

Location: Wolverhampton, WV10 (within 10 minutes of tram stop to Birmingham)

Purchase Price: £127,500 (2022)

Refurbishment Cost: £18,500

Total Investment: £146,000

Financing: 75% LTV mortgage (£109,500), 25% deposit (£36,500)

Returns

Annual Rent: £16,380 (£1,365/month via 15-year lease)

Gross Yield: 11.2%

Net Yield: 9.8%

Monthly Cash Flow: £485 after all expenses

Lease Structure

15-year guaranteed lease with Midlands-based care provider

Rent linked to inflation (CPI+1% annual increases)

Provider responsible for all internal maintenance and management

Council-backed referrals ensuring consistent occupancy

The Impact

Financial Benefits

The steady monthly cash flow of £485 has transformed Ivy and Yang's family life:

Nursery Fees: Covering approximately 60% of their twins' nursery costs

Family Time: Enabling Ivy to reduce her six-day work week to five days

Holiday Fund: Creating stress-free family holidays without financial worry

Education Planning: Building capital for future school fees and university costs

Long-Term Vision

Beyond immediate cash flow, the investment is building toward their children's future:

Property Portfolio

Planning to reinvest profits into second supported living property in Walsall

Education Fund

Long-term rental income designated for children's educational opportunities

First Home Assistance

Potential to leverage portfolio to help children with future home deposits

Generational Wealth

Teaching twins about property investment and financial planning

Investor Reflections

"We're not interested in making a quick profit. We want to build a long-term, sustainable portfolio. Supported living made sense for us — and with the right guidance, it felt like the right step forward."

- Ivy

"This isn't just about property, it's about legacy. It's our responsibility as parents to give our children something tangible to build on. This isn't just financial. It's meaningful."

- Yang

Key Success Factors

Trusted Guidance

Personal relationship with Raja provided confidence to re-enter market

Clear Education

Understanding ROI, yields, and risk management before investing

Strategic Location

Wolverhampton's affordability enabled re-entry after earlier losses

Appropriate Structure

Supported living model eliminated previous tenant management concerns

Long-Term Mindset

Focus on sustainable portfolio growth rather than quick profits

Community Validation

Recommendations from Hong Kong friends provided additional reassurance

Looking Ahead

Future Portfolio Expansion

Ivy and Yang are now actively building their property portfolio with clear purpose and strategy. They're in discussions for a second supported living property in Walsall (£135,000 purchase, projected 10.5% net yield), which would increase their monthly positive cash flow to over £950.

Their Goal:

Build a portfolio of 4-5 supported living properties across the West Midlands by 2030, generating £2,000+ monthly passive income—sufficient to fully fund their children's education and provide family financial security independent of business fluctuations.

"We're investing in a future we believe in — for our family, and for those who need supported housing. Raja helped us see that we could do well financially while doing good socially. That's the legacy we want to leave for our twins."

Retirement Planning

Krishna & Vani's Story: Creating Retirement Income Through Wolverhampton Supported Living

Investors Krishna (54) & Vani (52)

Background Healthcare professional and business owner

Location Birmingham, Wolverhampton

Investment Journey 2023 - Present

The Challenge

At 54 and 52, Krishna and Vani found themselves approaching retirement with growing concerns about their financial future. Despite decades of hard work and careful saving, they faced several challenges:

Financial Position

Cash savings earning minimal interest (0.5-1.5% in bank accounts)

Previous rental experience ended poorly (tenant issues, negative Section 24 tax impact)

Paid more in tax than rental income due to mortgage interest restrictions

Minimal investment experience beyond personal home ownership

Lifestyle Concerns

Krishna worked extremely long hours (sunrise to 10pm) and missed daughters' early milestones

Both wanted to maintain lifestyle (dining out, holidays, social activities) in retirement

State pension wouldn't support their desired lifestyle

Worried about working indefinitely without passive income streams

The Investment

Property Details

Type: 4-bedroom semi-detached property converted to supported living

Location: Wolverhampton, WV3 (Tettenhall area—desirable residential location)

Purchase Price: £132,000 (2023)

Refurbishment Cost: £22,000

Total Investment: £154,000

Returns & Structure

10.9%

Gross Yield

8.7%

Net Yield

£625

Monthly Cash Flow

Ownership Structure

Property held in Krishna & Vani's limited company

Corporate structure for tax efficiency and liability protection

Both directors with equal shareholding

Proper governance and decision-making structure

The Impact

Immediate Financial Relief

Better Than Bank

Annual net return of 8.7% vs. 0.5-1.5% in savings accounts

Tax Efficiency

Corporate structure meant 19% corporation tax vs. 40% personal income tax previously

Positive Cash Flow

£625 monthly vs. negative cash flow in previous rental

No Management Hassle

Zero tenant calls, void periods, or property management stress

Lifestyle Enhancement

Work-Life Balance

Krishna now works five days instead of six-and-a-half

Family Presence

More time with daughters before they leave for university

Holiday Freedom

Three international holidays in 2024 without financial stress

Peace of Mind

Financial security reducing overall life stress

"Vani calls the income our 'security blanket'. It gives us peace of mind."

- Krishna

Retirement Planning Transformation

Early Retirement Target

Previously planning to work until 68; now targeting 62

Income Replacement

Building portfolio to generate £2,500+ monthly passive income

Pension Enhancement

Property income supplementing state and private pensions

Security

Tangible assets providing inflation-protected retirement income

Portfolio Expansion Plans

Second Property Already in Progress

Location: Walsall, WS2 (neighbouring West Midlands town)

Purchase Price: £118,000

Projected Net Yield: 9.2%

Additional Monthly Cash Flow: £575

Five-Year Vision

4-5

Supported living properties

Target portfolio size by 2028

£600-700K

Total Investment

Approximate capital deployed

£2,800-3,200

Projected Monthly Income

Sufficient retirement funding

"We're now seriously considering using the profits to buy a second property. The numbers work, and we feel like we're finally making our money work for us."

- Vani

Stock Market Transition

Amelia & Thomas's Story: From Stock Market Stress to Property Stability in West Midlands

Investors Amelia (44) & Thomas (46)

Background Marketing executive and software engineer

Location Solihull, West Midlands

Investment Journey 2022 - Present

Previous Investment Experience

Stock Market Experience

Invested in various equities hoping for quick gains

Experienced significant volatility and emotional stress

Watched investments drop 30-40% during market downturns

Frequent panic selling locked in losses

Time spent monitoring markets interfered with work and family life

Gold Investment

Considered gold as "safe haven" asset

Frustrated by lack of regular income generation

Uncertainty about future value and optimal selling time

Storage and insurance complications

No tangible use or benefit from the asset

Investment Portfolio Performance

Combined Portfolio Performance

£350,500

Total Investment

£1,120

Monthly Passive Income

8.2%

Net Yield

12%

Capital Appreciation

Property 1: Birmingham

Location: Birmingham, B19

Investment: £193,000

Monthly Income: £525

Property 2: Coventry

Location: Coventry, CV2

Investment: £157,500

Monthly Income: £595

Lifestyle Transformation

Financial Stability

Predictable Income: Guaranteed lease payments arriving monthly

No Market Volatility: Property values stable; no daily price swings

Inflation Protection: Rent increases linked to CPI

Tangible Asset: Physical properties providing psychological security

Psychological Well Being

Peace of Mind: No constant market monitoring or stress

Sleep Quality Improved: Not worrying about overnight market crashes

Relationship Benefit: Eliminated investment-related arguments

Confidence Restored: Successful investments rebuilding financial confidence

Financial Freedom Achieved

Career Flexibility

Amelia reduced to 4-day work week

Family Time

More time with their teenage son

Holiday Fund

Two additional holidays per year without budget impact

Home Improvements

Used some cash flow for kitchen renovation

Generational Wealth

Tina & Jas's Story: Building Generational Wealth Through West Midlands Supported Living

Investors Tina (48) & Jas (51)

Background Secondary school teacher and IT consultant

Location Sutton Coldfield, West Midlands

Investment Journey 2020 - Present

Smart Financial Foundation

What They Embraced

Living below their means consistently

Maxing out pension contributions annually

Emergency fund covering 12 months expenses

Mortgage on accelerated paydown schedule

Education-first approach to all financial decisions

What They Avoided

High-consumption lifestyle

Excessive luxury holidays and material displays

Overcomplicated financial products they didn't understand

Maximum mortgage stretching beyond comfortable affordability

Portfolio Performance Summary

Combined Portfolio Statistics

£556,000

Total Investment

Total Properties

9.1%

Average Net Yield

£2,040

Monthly Passive Income

Geographic Spread

Walsall

Dudley

West Bromwich

Coventry

Early Retirement Achievement

Original Plan

Retirement Age

68 (state pension age)

Income Source

State pension only

Work Duration

20+ more years

New Target

Retirement Age

58 (Tina) and 61 (Jas)

Portfolio Income

Replacing 60% of employment income

Work Duration

10 years earlier than planned

Common Themes Across All Case Studies

Reviewing these four successful investor journeys reveals consistent patterns that led to success.

Financial Outcomes

Yield Performance

Average net yields: 8.2% - 10.0%

Capital Appreciation

Average 12-16% growth over 2-4 years

Cash Flow Stability

Monthly passive income with no void periods

Psychological Benefits

Stress Reduction

Elimination of tenant management hassles

Confidence Building

Success enabling portfolio expansion

Life Satisfaction

Alignment with personal values providing meaning

Success Factors

Education and Understanding

Learning before investing built confidence

Professional Guidance

Comprehensive support from experienced team

Strategic Approach

Long-term mindset avoiding speculation

West Midlands: The Ideal Investment Region

All four case studies focused on West Midlands locations. This wasn't coincidental—the region offers compelling advantages.

Economic Fundamentals

UK's second-largest economy outside London
Major employment centers
Diverse economy
Major employers providing stable rental demand

Property Market Dynamics

Affordable prices compared to London
Strong rental yields (6-12%)
Regeneration investments
Less speculative market providing stability

Infrastructure Investment

HS2 High-Speed Rail transforming connectivity
Metro/tram expansion improving accessibility
Major highway network
Airport access

Supported Living Ecosystem

Established care provider infrastructure
Strong council support for supported accommodation
Growing awareness of housing needs
Funding stability through government-backed referrals

Getting Started: Your Investment Journey

If these case studies resonate with your financial goals and values, here's how to begin.

Education (2-4 weeks)

Research supported living model

Understand property investment principles

Research West Midlands property market

Initial Consultation (No Obligation)

Confidential consultation with Raja

Discuss your goals and concerns

Review current opportunities

Due Diligence (4-8 weeks)

Review specific property opportunities

Conduct independent verification

Engage professional advisors

Investment Decision

Formal offer and acceptance

Legal due diligence and contracts

Financing arrangement

Start Your Investment Journey

Your Story Could Be Next

These four case studies demonstrate the life-changing potential of supported living property investment when approached strategically with professional guidance.

Ivy & Yang created security for their young family

Krishna & Vani moved retirement 10 years earlier

Amelia & Thomas escaped stock market stress

Tina & Jas built generational wealth enabling early retirement

Email Us

contact@supportedlivingproperty.co.uk

Call Us

+44 3333 401050

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Important Disclaimers

Investment Risk Warning

These case studies represent actual investor experiences but are not guarantees of future performance. Property investment carries risks including potential capital loss, reduced income, market downturns, tenant default, property damage, and regulatory changes. Past performance does not predict future results.

Professional Advice Required

This document is for information only and does not constitute financial, legal, or tax advice. SLP Investment & Management Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and provides property sourcing and management services only, not regulated investment advice. All prospective investors must obtain independent advice from suitably qualified professionals before making any investment decisions.