How He Built a Property Portfolio From Scratch – And Why He’s Backing the Midlands

Want to know where smart investors are putting their money in 2025? In Part 2 of our chat with Umesh Kalra, he reveals how he's building a strong property portfolio and why the Midlands is his next big focus. From cashflow strategies to risk management—this episode is packed with practical insights.

If you’ve been wondering how experienced investors are navigating the property market in 2025, this episode is a must-listen. In Part 2 of our conversation with seasoned investor Umesh Kalra, we go deep into the real strategies that are delivering solid results—without chasing unrealistic returns or getting bogged down in complexity.

Umesh opens up about how he’s growing his property portfolio with a clear, calculated approach, and why the Midlands is becoming a hotspot for savvy investors. His insights offer a roadmap for anyone looking to build long-term wealth through property.

What You’ll Learn in This Episode:

  • Where Umesh is investing in 2025 and the key factors guiding his decisions
  • Why the Midlands is emerging as a high-potential region, offering attractive returns and sustainable growth
  • How to identify buy-to-let deals that actually cashflow, even in today’s market
  • Smart financing strategies and how Umesh manages risk while scaling
  • The mindset that drives long-term success, even when the market gets tough

Whether you're just getting started or planning your next move, Umesh shares valuable, practical advice you can apply right now. His focus on sustainability, cashflow, and smart risk management makes this episode essential listening for anyone serious about growing their portfolio in today’s market.

🎙 Guest Info:
Umesh Kalra – MoneyRow Properties

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There are 649 households in Stevenage, aged between their early 50s and mid-60s, renting privately, not owning the Stevenage homes they live in. They're heading towards retirement age with no bricks and mortar, and the implications for them, their families, and Stevenage's social and economic infrastructure are vast.

There are 2,382 households in Basingstoke and Deane, aged between their early 50s and mid-60s, renting privately, not owning the Basingstoke and Deane homes they live in. They're heading towards retirement age with no bricks and mortar, and the implications for them, their families, and Tadley's social and economic infrastructure are vast.

How do you beat those odds? When most people decide to put their Stevenage home on the market, they assume one thing. That it will sell.

Over the past five years, Crowthorne's private rental market has experienced a significant growth in rents. The average monthly rent has increased from £1,275 in 2020 to £1,711 in 2025, representing a 34% rise.