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.
When you first look at a rental property, the number that jumps out is usually the gross yield. It is a quick, rough figure that compares the annual rent you ex
Aug 13, 2026 · 8 min read
How Australian transfer duty works by state, plus foreign-buyer surcharges, first-home concessions, and how to estimate cash to complete.
Aug 13, 2026 · 28 min read
How to calculate true UK buy-to-let net yield after voids, Section 24 tax, letting costs, and SDLT — with regional worked examples.
Aug 13, 2026 · 27 min read
Master buying property in the UAE. Complete 2026 guide to Dubai freehold areas, DLD 4% transfer fees, off-plan escrow laws, LTV caps, Golden Visa rules, and investor risk scorecards.
Aug 7, 2026 · 15 min read
Master buying property in Australia with our complete 2026 guide. Learn about stamp duty by state, FIRB foreign fees, LMI thresholds, APRA buffer rules, negative gearing, and step-by-step buying process.
Aug 7, 2026 · 41 min read
Master UK Leasehold vs Freehold property differences. Learn about lease unexpired terms, the 80-year marriage value trap, ground rent escalation clauses, service charges, Section 20 notices, and the Leasehold Reform Act
Aug 6, 2026 · 28 min read
Master Debt Service Coverage Ratio (DSCR) for real estate investing. Learn the DSCR formula, lender underwriting thresholds, 3 worked numerical examples, and 5 levers to improve loan coverage across USA, UK, Canada, Aust
Aug 6, 2026 · 26 min read
Master realistic property appreciation estimation across USA, UK, Canada, Australia, and UAE. Learn conservative CAGR forecasting, inflation adjustments, cash flow interactions, and 3 worked numerical examples.
Aug 6, 2026 · 38 min read
A practical 2026 guide to buying property in the USA — process, financing differences for international vs local buyers, closing costs, taxes, FIRPTA, and the checks most buyers miss. Free calculators included.
Aug 6, 2026 · 31 min read
Learn how to calculate cash-on-cash return correctly with clear formulas, worked examples with and without leverage, common mistakes to avoid, and a step-by-step framework for property investors in the USA, UK, Canada, A
Aug 6, 2026 · 33 min read
Learn how to calculate ROI on a rental property the right way. Total ROI vs cash-on-cash, hidden costs most investors forget, worked examples for USA, UK, Canada, Australia and UAE — plus free calculators.
Aug 6, 2026 · 30 min read
Learn what the price-to-rent ratio really tells you about a housing market, how it differs across Tier-1 cities (US, UK, Canada, Australia, UAE), and how to combine it with a personal rent-vs-buy calculation before you b
Aug 6, 2026 · 32 min read
Break-even occupancy tells you the minimum occupancy rate a rental must hit to cover its fixed costs. Learn the formula, worked long-let and short-let examples, and Tier-1 market benchmarks.
Aug 6, 2026 · 31 min read
Gross Rent Multiplier (GRM) is a fast property screening tool but it hides taxes, vacancy, and financing. Learn how to use it, when it misleads, and what to calculate next with worked USA, UK, Canada, Australia and UAE e
Aug 6, 2026 · 29 min read
A clear 2026 guide to UK Stamp Duty (SDLT): residential bands, first-time buyer relief, the 5% additional property surcharge, and step-by-step worked examples from £180,000 to £1.6m.
Aug 6, 2026 · 29 min read
Learn how to use net present value (NPV) for property investment decisions: the formula, how to choose a discount rate, multi-year cash flow projections, 3 worked examples from the US, UK and UAE, and when NPV beats simp
Aug 6, 2026 · 32 min read
Cap rate is the fastest screening metric in real estate — and the most misused. Learn the formula, NOI, comps, and what a good cap rate really means, with Tier-1 market examples.
Aug 6, 2026 · 29 min read
Gross nightly rates mislead. Learn how to compare short-let and long-let income fairly using occupancy, operating costs, regulations, taxes and net-income math — with Tier-1 examples and free calculators.
Aug 6, 2026 · 29 min read
Calculate a sustainable home-buying budget using income, debts, rates, down payment, total housing costs and realistic stress tests.
Aug 6, 2026 · 13 min read
Are extra mortgage payments worth it? See the interest-savings math behind biweekly, extra-monthly and lump-sum prepayments, plus when investing wins instead — with worked examples for US, UK, Canada, Australia and UAE b
Aug 6, 2026 · 32 min read
Cap rate vs cash flow explained clearly, with worked examples, leverage effects, Tier-1 market nuances, and a decision framework you can apply to real deals today.
Aug 6, 2026 · 31 min read
Closing costs surprise most first-time buyers. Learn exactly which fees you pay at closing, who covers what, how to estimate cash to close, and how to compare offers across the US, UK, Canada, Australia and UAE.
Aug 5, 2026 · 29 min read
Home equity explained in plain English. Learn how to calculate home equity, compare HELOC vs cash-out refinance, avoid over-leveraging, and stress-test your numbers with free LashkariProperties calculators.
Aug 5, 2026 · 32 min read
Interest-only mortgages lower monthly payments but shift risk to the borrower. Learn the math, worked examples, Tier-1 market rules, and when IO makes sense for investors — with free calculators.
Aug 5, 2026 · 31 min read
Is a 20% down payment really required to buy a home? A data-driven guide to LTV, PMI, low-down loan programs and how deposit size changes your monthly cost, risk and long-term wealth across USA, UK, Canada, Australia and
Aug 5, 2026 · 31 min read
A practical, math-first guide to knowing when refinancing a mortgage makes sense. Learn break-even calculations, rate-and-term vs cash-out, and when fees erase the benefit — with worked examples for the USA, UK, Canada,
Aug 5, 2026 · 30 min read
A numbers-first rent vs buy framework using true cost of ownership, opportunity cost and time horizon. Worked examples for USA, UK, Canada, Australia and UAE, plus free calculators.
Aug 5, 2026 · 30 min read
Learn how to calculate mortgage payments step by step: the loan formula, principal and interest, property taxes and insurance (PITI), worked examples, and free calculators.
Aug 5, 2026 · 28 min read
A practical 2026 guide to the 28/36 housing cost rule — where it came from, how lenders in the US, UK, Canada, Australia and UAE actually apply it today, worked examples at current rates, and a modern decision framework
Aug 5, 2026 · 32 min read
The down payment is only the start. A practical, research-backed guide to closing costs, inspections, moving, reserves, furnishings, and the cash buffer smart first-time buyers keep — with worked examples for the USA, UK
Aug 5, 2026 · 33 min read
What is a debt-to-income ratio and why does it quietly decide your mortgage? Front-end vs back-end DTI, 2026 limits across the US, UK, Canada, Australia & UAE, plus proven ways to lower your DTI before you apply. Free DT
Aug 5, 2026 · 32 min read
APR, fees, points and prepayment rules make mortgage offer letters hard to compare. Use this side-by-side framework — with worked examples for the US, UK, Canada, Australia and UAE — to pick the truly cheaper loan.
Aug 5, 2026 · 29 min read
A 20 percent deposit is a lender convention, not a law. We walk through how deposit size changes your loan, insurance, monthly payment, and the cash you still need after completion.
Jul 30, 2026 · 15 min read
An 8 percent yield in a flat market can lose to a 4 percent yield that compounds with price growth. We show the seven-year arithmetic so you stop treating them as the same number.
Jul 22, 2026 · 15 min read
Not every upgrade returns cash. See which renovations pay back 100%+ at resale — and which return under 40% — with 2025/26 cost-vs-value data, worked ROI examples, and free calculators to model your project before you sp
Jul 20, 2026 · 31 min read
What is a good rental yield? Benchmark ranges for USA, UK, Australia, Canada and UAE, gross vs net yield explained, worked examples, and when a lower yield still makes sense.
Jul 20, 2026 · 29 min read
What is LTV ratio? Learn the loan-to-value formula, worked examples, how LTV drives mortgage rates, PMI and approval risk — and how to lower your LTV before applying.
Jul 20, 2026 · 29 min read
A $412,000 loan at 6.15 percent over 30 years is not just a monthly number. We break down principal, interest, taxes, and insurance, and show how amortization actually behaves.
Jul 20, 2026 · 16 min read
A practical sequence of title, survey, planning, and money checks you can run before you exchange — not a substitute for a solicitor, but the work that stops expensive surprises.
Jul 18, 2026 · 16 min read
Private mortgage insurance explained: when PMI applies, how much it costs, and the exact math for removing it through equity, appraisal, or refinance. Worked US, UK, Canada, Australia, and UAE examples.
Jul 18, 2026 · 28 min read
Gross yield is easy to advertise. Net yield, after vacancy, insurance, and repairs, is what you actually keep. Here is the arithmetic and how to judge it against local borrowing costs.
Jul 15, 2026 · 15 min read
UK buyers pay stamp duty on a progressive band system, and many flats are leasehold with service charges. This guide explains both, plus the extra costs that sit outside the asking price.
Jul 12, 2026 · 17 min read
Prime homes are priced on scarcity and the size of the buyer pool, not rental yield. We look at location, liquidity, and holding costs with a worked annual budget.
Jul 8, 2026 · 14 min read
A shop with one tenant is not a house with rotating tenants. We cover leases, cap rates, DSCR, vacancy concentration, and why commercial lending is stricter.
Jul 5, 2026 · 16 min read
Skip the headline forecast. Rates, slow supply, demographics, and credit conditions are the durable forces. Here is how to stress-test a personal buying decision against them.
Jul 1, 2026 · 18 min read
