Agreed on above. You seem to be treating all rates, prices & predictions as static figures, where in reality they are highly variable. Have you though about pot

Agreed on above. You seem to be treating all rates, prices & predictions as static figures, where in reality they are highly variable. Have you though about potential changes in your own circumstances? Do you or might you have a family/spouse/dependants in the future? You need to make your strategy more agile and adaptive to changes that will occur over the lifetime of it. The property market is volatile, and consider the fact that being a landlord for 4+ properties could eat into your time as a web developer.