He didn't have a massive bank balance or millionaire contacts. Just belief, hard work, and a willingness to take risks.

Here's how Umesh left the 9–5 and built a full-time property business—including the hard lessons you won't find on social media.

In This Episode (Part 1): We sit down with HMO and buy-to-let investor Umesh Kalra, owner of MoneyRow Properties, to uncover the real story behind leaving his 9–5 and going all in on property.

He shares how he made the leap, the reality of his first deal, and why HMOs are still working in 2025 if you approach them properly.

We cover:

• How Umesh transitioned from employment into full-time property

• His very first deal – what went right, and what he'd never do again

• The honest truth about running HMOs in today's market

• What separates a profitable HMO from a constant headache

• Key mistakes new investors make when trying to go full-time

Whether you're planning your first deal or looking to replace your income through property, this episode delivers the reality behind making it happen.

👉 Want to connect with Umesh directly? Visit www.moneyrowproperties.co.uk or call 01162 046949.