Author
Founder · Indore, Madhya Pradesh, India
Builds free property calculators and plain-English guides so buyers and investors can run the numbers before they commit.
Nirmal Lashkari is the founder of LashkariProperties. He is based in Indore, India, and runs the site as a sole proprietorship — there is no separate company behind the brand.
He built the platform after watching friends and family treat listing prices and monthly payments as if they were the whole decision. The tools exist so anyone can see the loan, the deposit, the yield, or the cash-to-close on one screen, without sending those figures to a server.
The calculators are educational. They are not a brokerage, not a lender, and not personal financial, tax, or legal advice. When a rule depends on a country, a state, or a lender, the pages say so and point you to a local professional.
Canada land transfer tax: which provinces charge it, the exact Ontario and BC band math, first-time buyer rebates, the Toronto municipal tax, and how it fits.
Aug 15, 2026 · 11 min read
USA closing costs: the 2-5% breakdown, what varies by state — transfer taxes, attorney states, title premiums — and how to compare Loan Estimates.
Aug 15, 2026 · 15 min read
UAE off-plan property: Dubai's 4% DLD fee and registration costs, how developer payment plans really work, RERA escrow protection, worked numbers on a AED 2.2.
Aug 15, 2026 · 12 min read
Capital gains on property sales: how the gain is computed, the US primary-residence exclusion, UK and Canada rates, Australia's 50% discount, and a worked.
Aug 15, 2026 · 18 min read
How landlords calculate net yield: the expense list that separates net from gross, vacancy and management math, and why net yield is not the whole story.
Aug 15, 2026 · 16 min read
A practical, math-driven playbook to move a rental DSCR from 1.10 to 1.25 — worked scenarios, lender rules, decision framework, and a live calculator.
Aug 13, 2026 · 12 min read
Australia stamp duty explained: how transfer duty is calculated in each state, who pays it, and how to estimate the cost before you buy.
Aug 13, 2026 · 27 min read
UK buy-to-let yield: calculate gross and net returns properly, including stamp duty, tax, voids and management costs in 2026.
Aug 13, 2026 · 24 min read
Buying property in Canada: the stress test, down payments, CMHC insurance, land transfer tax, closing costs, and the process for residents and foreign buyers.
Aug 10, 2026 · 13 min read
The right order to run property calculators before you buy: mortgage payment, affordability, deposit, closing costs and debt-to-income — with worked examples.
Aug 10, 2026 · 14 min read
Buying property in the UAE: freehold vs leasehold, fees, taxes, mortgage rules and the process for international buyers.
Aug 7, 2026 · 15 min read
Buying property in Australia: state taxes, stamp duty, FIRB approval, financing and costs for local and overseas buyers.
Aug 7, 2026 · 39 min read
Cap rate or cash flow — which metric should guide your property decision? Compare what each measures and when it matters most.
Aug 6, 2026 · 29 min read
Buying property in the USA as a foreign or first-time buyer: costs, taxes, financing options and the step-by-step process.
Aug 6, 2026 · 30 min read
Leasehold vs freehold explained: what you actually own under each, ground rent, service charges, lease length risk, and which questions to ask before buying.
Aug 6, 2026 · 27 min read
DSCR explained: how lenders use the debt service coverage ratio, what a good number looks like, and how to improve yours.
Aug 6, 2026 · 26 min read
How to estimate property appreciation realistically: historical data, growth drivers and why past returns rarely repeat.
Aug 6, 2026 · 37 min read
Cash-on-cash return explained with worked examples, and how it differs from ROI, cap rate and total return — with real numbers.
Aug 6, 2026 · 31 min read
Calculate the ROI and cash-on-cash return on a rental property from cash invested, annual income and operating costs, with worked examples for UK.
Aug 6, 2026 · 28 min read
Price-to-rent ratio explained: what a high or low ratio signals about a market, and how to use it in a rent-vs-buy decision.
Aug 6, 2026 · 31 min read
Break-even occupancy for landlords: the occupancy percentage you need to cover costs and debt service, with a worked example.
Aug 6, 2026 · 29 min read
Gross rent multiplier (GRM) explained: how to calculate it, what a good GRM looks like, and its limits as a quick-screen tool.
Aug 6, 2026 · 28 min read
Stamp duty explained simply: which bands apply in England, Scotland and Wales, what first-time buyers pay, and how the tax is calculated on a real.
Aug 6, 2026 · 28 min read
Using NPV for property investment: how to discount cash flows, choose a rate, and interpret the result with worked examples.
Aug 6, 2026 · 35 min read
Cap rate explained for investors: what it measures, how to calculate it from net operating income, what a good cap rate looks like, and when it misleads.
Aug 6, 2026 · 28 min read
Compare short-let and long-let income for the same property: nightly rates, occupancy, cleaning and platform fees, plus the cash-flow difference.
Aug 6, 2026 · 27 min read
How much house can I afford? Use the 28/36 rule, DTI limits and a worked affordability example to find your price range.
Aug 6, 2026 · 13 min read
Are extra mortgage payments worth it? See how much interest $100 a month saves, how it shortens the term, and when the cash is better invested.
Aug 6, 2026 · 31 min read
A simple rent vs buy decision framework: compare renting and buying costs over your actual holding period, including sale costs, and find the year.
Aug 5, 2026 · 29 min read
Closing costs explained for buyers: what they include, how much you should budget as a percentage of the price, and how to estimate cash to close..
Aug 5, 2026 · 27 min read
Home equity explained: how it builds over time, how to calculate it, and when borrowing against it makes sense for homeowners.
Aug 5, 2026 · 30 min read
Interest-only mortgages explained: how payments work, the repayment shock after the interest-only term, and who they suit.
Aug 5, 2026 · 29 min read
Is a 20 percent down payment required? When you can buy with less, how PMI affects the maths, and the deposit each loan type and country requires.
Aug 5, 2026 · 29 min read
When refinancing makes sense: compare your current rate with the new offer, find the break-even month, and see whether the savings beat the upfront costs.
Aug 5, 2026 · 28 min read
How to calculate mortgage payments by hand or with a calculator: the P&I formula, what taxes and insurance add, and a full worked $320,000 example..
Aug 5, 2026 · 27 min read
The 28/36 housing cost rule explained: what the front-end and back-end debt-to-income limits mean, how lenders apply them, and how to test your own numbers.
Aug 5, 2026 · 30 min read
First-time buyer costs beyond the deposit: survey, legal, stamp duty, moving and furnishing — with a realistic checklist and how much to budget for each item.
Aug 5, 2026 · 31 min read
Debt-to-income ratio for home buyers explained: how front-end and back-end DTI are calculated, what lenders accept, and how to improve yours before applying.
Aug 5, 2026 · 32 min read
How to compare mortgage offers fairly: rate, fees, APR, break-even and total cost over your holding period — with an example.
Aug 5, 2026 · 28 min read
How much deposit do you need to buy a home? Compare the 5, 10 and 20 percent options across US, UK, Australia and UAE, including mortgage insurance.
Jul 30, 2026 · 14 min read
The checks every short-term rental investor must run before buying: permits, night caps, HOA and lease rules, taxes, and the occupancy math behind the deal.
Jul 27, 2026 · 11 min read
Rental yield vs total return: why yield alone misleads, how appreciation and financing change the picture, and how to compare a property's real.
Jul 22, 2026 · 15 min read
Understanding mortgage payments: how principal, interest, taxes, insurance and PMI combine into your monthly bill, with a full amortization.
Jul 20, 2026 · 14 min read
Renovation ROI: which home improvements pay back at sale, with cost-to-value ratios, timelines and a calculation method.
Jul 20, 2026 · 29 min read
What is a good rental yield? Compare gross and net yield across US, UK, Australia and UAE markets, and see how property type, area and financing.
Jul 20, 2026 · 27 min read
What is LTV ratio? Learn how loan-to-value is calculated, why 80 percent LTV matters for mortgage insurance, and how lower LTV gets you better rates.
Jul 20, 2026 · 27 min read
A property due diligence checklist you should never skip: title, planning, flood risk, lease, service charges, survey and legal checks — organised.
Jul 18, 2026 · 15 min read
What is PMI and when can you remove it? See how mortgage insurance is calculated, what it costs, and the 20% equity rule.
Jul 18, 2026 · 27 min read
Furnished rentals promise a rent premium — but furniture wears out and turnover rises. The break-even math that decides whether furnishing pays.
Jul 16, 2026 · 11 min read
How to calculate rental yield correctly: gross versus net yield, which expenses to subtract, and worked examples that show why net yield matters.
Jul 15, 2026 · 13 min read
Buying property in the UK: stamp duty bands, leasehold vs freehold, survey and legal fees, mortgage steps and the real costs of completing a purchase.
Jul 12, 2026 · 15 min read
What drives luxury property values: scarcity, location, liquidity, holding costs and the buyer psychology that separates prime markets from mainstream property.
Jul 8, 2026 · 14 min read
Turn rent day into a reliable system: collection methods, late-payment handling, reserves, and a monthly cash-flow plan that keeps the property solvent.
Jul 7, 2026 · 11 min read
Commercial property investment basics: how offices, retail and industrial differ from residential — yields, leases, tenant quality and the risks to weigh.
Jul 5, 2026 · 17 min read
Global property market outlook for 2026 — rates, supply, migration and yields across the US, UK, Australia and UAE, and what they mean for investors.
Jul 1, 2026 · 15 min read
A step-by-step tenant screening process: income checks, references, credit and history, red flags, and how screening protects your cash flow.
Jun 23, 2026 · 12 min read
Every cost line in a landlord's annual budget — taxes, insurance, maintenance, management, vacancy and finance — and the ones most forecasts forget.
Jun 9, 2026 · 12 min read
How vacancy days destroy annual yield, how to build vacancy into cash-flow forecasts, and how to find break-even occupancy — with worked examples.
May 28, 2026 · 11 min read
Find true market rent, price the cost of tenant turnover, and pick the increase that maximises income after vacancy — a framework with worked examples.
May 12, 2026 · 11 min read
