He Quit His Job for Property – The Brutal Truth About Starting from Scratch
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-timeWhether 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.
The Investors Corner
Are you a property investor or have property investing goals for the near future?
This is the Investors Corner Podcast is for you! We created the show because most podcasts for property investors tend to be just backhanded sales funnels. This podcast is full of free advice from specialist property guests. We have episodes with business coaches, accountants, mortgage advisors, commercial finance specialists, ARLA reps, auctioneers, new homes experts and many many more property people.
If you are in property and want to come on the show as a guest then please contact us.
We will always update our subscribers with industry breaking news, letting legislation changes and market trends. So make sure you hit that subscribe button ladies and gents.
Your hosts are Andy Brown, Ian Macbeth & Mike Robson.
Andy has been active in estate agency since 2011 and is still as passionate about it now as he was when he first started. Andy lives in Berkshire with his wife, daughter, dog and cat. Dedicated to making the necessary changes within the industry, Andy is on a mission to help people and make sure they receive the correct advice, at the right time. As Avocado's Letting's Director, Andy is the man to talk to if you have any lettings or landlord queries.
Ian has over 20 years in property as a business owner, property investor and event speaker. Ian lives with his two beautiful daughters and wife. He is also an ultramarathon runner who once completed a 100 mile race in under 24hrs. Ian has a goal to disrupt estate agency in the UK. He feels the time is right to change the industry for the better before he retires.
Mike has worked as a property investor, advisor, run property management teams, owns an estate agency business and is also a landlord. Mike lives in Berkshire with his lovely wife, son and dog Willow. Mike aims to change how landlords, tenants and letting agents interact. He wants to push out ‘bad’ tenants and landlords from the industry. He is outspoken on the podcast when it comes to protecting the modern day property investor.
If you are interested in hearing about the future of the property market, finding out about creative finance options, how to use your business to invest in property, or just like learning from property experts in their field… This is the podcast for you.
We hope you enjoy our property show.
Andy, Ian & Mike
Where can you listen?
