James Coupland

Property investor explains how to invest £100k Start your property business. Comment “JPU” to join the waitlist for the 27th June launch 🚀 🔎 JamesPropertyUniversity.io Have a great weekend, James x

Let me clear something up about social housing — because the term puts a lot of investors off and it really shouldn’t. Most people hear it and immediately think their property is going to get trashed, they won’t get market rent, or they’ll end up with problem tenants. That’s a lack of understanding. You’re giving your property for something useful. And here’s what it actually looks like as an investment strategy. No bills. No repairs. No maintenance. No void periods. And 3 to 5 year contracts with a registered housing provider who pays you whether the property is full or empty. On the numbers, you’re looking at £77 per person per week with no bills included. Factor the bills in and that’s roughly £110 to £115 per person per week — not far off what you’d get from a student or working professional let. And with the Renters Rights Act now in force, even a few weeks of voids on a standard let can bring you below what a housing provider would guarantee you every single month. The refurb costs less too. You still need to meet compliance — fire regs, space standards, safety requirements — but you’re not fitting en suites or luxury finishes. Less capital in means stronger ROCE. And inside an Article 4 area, you can convert a property into a social housing HMO of up to 6 occupants without needing planning permission. This is one of the strategies we teach inside the JPU — and our waiting list is now open ahead of our launch on 27th June. Whether you’re a complete beginner or you’ve already got a property and want to do more with it, JPU will give you the knowledge, the deals, and the support to build a portfolio that works for you. Join the waiting list using the link in my bio. We go live on 27th June at 10AM. James Follow @jamesproperty_ for more. #socialhousing #propertyinvesting #ukproperty

Don’t worry, I’ll show you HOW👇 Join the waiting list to invest in property and start making passive income with James Property University! The launch date is 27th June 🚀 JamesPropertyUniversity.io Have a great week! James x

If you’re buying a property in 2026 - watch this! Join the waitlist to download my free viewings checklist to identify faults and negotiate a lower purchase price 👇 JamesPropertyUniversity.io

Join the waitlist to download my free viewings checklist to identify faults and negotiate a lower purchase price 👇 JamesPropertyUniversity.io I bought this property for £85,000 — and it came with a list of problems as long as my arm! Damp on the walls and around the chimney breast. Bubbling plaster. Radiators that need replacing. A full rewire and new consumer unit. Cosmetic cracks throughout. A sloping floor with potential joist issues underneath. A leaking shower. Polystyrene ceiling tiles that are a fire hazard and need reboarding. The boiler was the only thing in good condition. But here’s the point. None of this put me off. Every single one of those problems is a reason to negotiate money off the purchase price — and everything can be fixed. Most buyers walk away from properties like this. Investors see opportunity. Follow @jamesproperty_ for more property investing tips. Have a great weekend, James x #propertyinvesting #ukproperty #buytolet #hmouk #propertyinvestor

Comment “RRA” for your free Landlord Survival Guide to the Renters Rights Act Did you know? The Renters Rights Act became law on 1st May 2026. And there’s a list of questions I’m being asked: ⁉️ What about student HMOs? ⁉️ Do I need to issue a new tenancy agreements? ⁉️ Am I exempt from the RRA entirely? Well, comment “RRA” and I’ll send you the free Landlord Survival Guide to the Renters Rights Act answering these FAQs Or download it free via the link below 👇 jpu.jamespropertyuniversity.io/rra-guide James x

Buy the WORST house on the street. 🏚️ A rundown 2 bed in Hull for £85,000 — converted the living room into a 3rd bedroom and rented all three rooms at £140 per week each. £21,840 a year from a property most buyers walked past. High quality refurbs are more important than ever. This is exactly what we’re doing across Hull and East Yorkshire right now — and we’re looking for more refurb teams to join us. Join our refurb team. If you’re a project manager, a trade, builder or have a refurb team, write to us. 👇 Apply on WhatsApp: +44 7353 764791 James x #HMO #ukpropertyinvesting #jamesproperty

📣 I’m calling YOU out! RICS Property Surveyors. I want to chat. I had a property valued at £95,000. Two weeks later, a different surveyor on the same property — nothing changed, no work done — valued it at £135,000. That’s a £40,000 difference on the exact same house. Down valuations are one of the biggest deal-breakers in UK property investing right now, and I’m seeing it happen to investors constantly. Surveyors use the RICS Red Book method, looking at sold comparables and bricks-and-mortar condition to determine value — but when two qualified professionals can come to conclusions that are £40,000 apart on the same property, investors deserve to understand exactly how these decisions are being made. A valuation can make or break a deal. It affects your refinance figure, your equity release, your BRR returns, and whether the numbers stack at all. So I’m calling it out. And I want to go further. If you’re a RICS chartered surveyor or valuer watching this, I want to invite you on to talk through your exact process. How do you value a property? What software or data do you use? What makes a surveyor come in high or low? I’ll plug your company too — there’s something in it for you. The investor community needs this conversation. Let’s have it. It will be interesting to hear from you! Drop a comment if you’ve been hit with a down valuation. How bad was it? James x P.S. RICS surveyors, my DMs are open.

Hear me out!👇 The UK house buying process is broken. You find a property. You make an offer. It gets accepted. Then nothing happens for 3 months. Your solicitor is waiting on the seller’s solicitor. The seller’s solicitor is waiting on searches. Searches take 6 weeks. Meanwhile your mortgage offer is ticking down. Your broker is chasing. You’re chasing. Everyone is chasing nobody. I’ve been through this enough times to know it doesn’t have to be this way. The tech exists to fix this. The data exists to fix this. What’s missing is someone actually building it properly! So here’s what I’m putting out there. If you’re good with tech, AI, or compliance and you’ve got the same frustration I have — let’s talk. I want to build something that actually solves this. Not a half-assed app. Something that genuinely speeds up transactions and removes the chaos for buyers and sellers. A central platform to speed up the house buying process. I want to build this and you’ll have my backing to get it out there because I’m sick of the current process! I’m ready to move fast on this. No pun intended. Drop a comment or DM me if this is you. James x

Squatters. Beware! ❌ Squatters moved into a property the day it was purchased and now the owner is stuck! They can’t kick them out themselves - this is against the law. So what do they do? The legal route is through the courts via an Interim Possession Order (IPO) - and you only have 28 days from finding out to use the fast-track route before the process gets significantly slower and more expensive. But the part most people don’t know? Squatters can legally apply to own your property. After 10 continuous years of occupation without the owner’s permission, a squatter can apply to HM Land Registry to become the registered owner under adverse possession law. The UK government even publishes a guide explaining how to do it. 😵‍💫 Commercial property owners have even fewer rights because squatting on commercial premises isn’t automatically a criminal offence, which is why cases like the Gordon Ramsay restaurant squatter dispute dragged on for so long and cost thousands in legal fees. If you own a property you haven’t checked on recently, or know someone who does, this is essential watching. Share it with them! Have you ever dealt with squatters? Drop your experience in the comments. James x #squatters #squatterrights #ukpropertyinvesting #ukproperty #landlord #propertyinvestor

Don’t skip the BOILER! 🔥 Especially on social housing properties… Most landlords think the housing provider covers everything. They don’t. The boiler stays the landlord’s responsibility in the majority of cases. And in social housing, if there’s no hot water, you’ve got 24 hours to fix it. That’s not optional, it’s in the contract. If you don’t, you’ll run the risk of the housing provider giving you the property back. So it’s not worth the risk! That’s why most social housing providers won’t accept boilers older than five years. And honestly, it’s a good rule because a brand new boiler means: ✅ Full manufacturer’s warranty ✅ Guaranteed call-out service ✅ Parts covered So our rule at James Property is simple. If it looks older than five years, we replace it. It protects the tenants and it protects your guaranteed income. The social housing strategy is becoming increasingly popular. And if you want to navigate this correctly and compliantly, check-out our end-to-end service at JamesProperty 👇 Go to: JamesProperty.io And follow my page for landlords tips (@jamesproperty_) James x #SocialHousing #LetAndForget #PropertyInvesting #UKProperty #LandlordTips

Happy Thai New Year! 🇹🇭🥳 Today is Songkran!! Thailand’s New Year celebration - and it’s unlike anything else on the planet! The streets turn into one giant water fight and everyone comes out to join in! Thailand doesn’t earn the nickname “The Land of Smiles” for nothing 😁 Happy New Year Thailand! 🙏 James x

🔥 Fire doors in HMOs - here’s what you ACTUALLY need to know. If you’re converting a property into a 3+ bedroom HMO, you’ll need 45mm fire-rated doors AND fire frames fitted with door closers. No shortcuts. That’s the regs! But here’s the bit most people miss… If you’re only doing a 2-bed BTL or social housing property, you DON’T need fire-rated doors or frames. We just recommend using a solid 35mm door. Why does this matter? Because ripping out door frames usually takes half the wall with them. That means extra plastering, extra bonding, extra cost. Knowing the difference between what’s required for a 3-bed HMO vs a 2-bed social housing setup could save you thousands on your refurb. Don’t over-spec. Don’t under-spec. Know your regs. Invest with James Property here: JamesProperty.io For bridging finance and mortgages: JamesPropertyMortgages Have a great weekend! James x

🏴󠁧󠁢󠁥󠁮󠁧󠁿 England was ‘first class!’ What an amazing trip. Seeing family, JPU students, refurbs - it never stopped! Even today I’m meeting my final partners before I get the on the plane tomorrow (unfortunately not first class this time) Whatever it is you’re chasing, whether that be money or ‘success’ - always remember it’s your family who will be there for you. As one of my recent Instagram comments said: “You can always make more money, but you can’t make more time” And I’ve been away from my family too long so I’m BUZZING to head back to see them. If you want my help starting in UK property, click the link in my bio and give this page a follow for more real property investing content. Have a great day! James x

This one simple conversion added £36,036 to our investor’s income over 3 years. Here’s how: We converted a 2-bed into a 3-bed social housing property. That extra bedroom earns £77 per person per week. That’s £4,004 per year. Over a 3-year contract, that’s £36,036 in rental income. Guaranteed. No bills. No repairs. No voids. Just contracted, long-term rental income. And the best part? Social housing under C3(b) use class means no HMO planning permission and no licensing required for up to 6 occupants. This is what we do at James Property. Education. Finance. Sourcing. Refurbs. Management. The full end-to-end service to help you build a property portfolio that actually works. Ready to get started? Head to jamesproperty.io find out more. James x

The part nobody warns you about when you’re building something… I’m sitting in Caffè Nero. Just FaceTimed Roman, my 1 year old who’s halfway around the world. And honestly? It made it harder. Because you put the phone down and you’re still here. And he’s still there. And you missed another minute. I’ve been in England for 3 weeks. Three weeks isn’t long. But at one years old, three weeks is everything. Every single day he’s changing. A new expression. A new sound. He’s getting taller. His hair is growing. A new version of him I didn’t get to see in person. That’s the part nobody warns you about when you’re building something. It’s not the hard work. It’s not the travel. It’s not the early mornings or the late nights. It’s the FaceTimes. Because FaceTime doesn’t fix it. It just reminds you what you’re missing. It makes it harder to be away. Papa has to work. Hopefully he will understand. There’s no way around it. But I want to say something to any young parent reading this, especially if you’re chasing business, money, success, whatever you want to call it. Look around you right now. The friends, the deals, the relationships, they come and go. Money comes and goes. Business comes and goes. But these years? You don’t get them back. When we’re old, we won’t be thinking about the best month we had in business. We’ll be thinking about the mornings we were there. The bedtimes we didn’t miss. The stories we read them. The little things we showed up for. I’d give anything to be sitting on that sofa with Roman, Kush and Cookie right now instead of writing this. The world is a mess at the minute. You know it, I know it. And when everything feels uncertain, the only thing that actually matters becomes very clear. Your inner circle. Your family. The people who will still be there when everything else falls away. Business is a vehicle. Family is the destination. Miss you Roman. Miss you Kush. Miss you Monster 🐾 Back soon. 🖤

Khalil lives in the south. But he just bought his first investment property in the north for £108,000. 🏠 Here is why that decision makes complete sense. His total all-in costs: deposit, stamp duty, solicitors, mortgage broker, survey, and a light refurb - came to approximately £37,000. In London, where Khalil lives, a two-bed house costs around £500,000. The stamp duty alone on that purchase would be £40,000. More than his entire cost of buying in Hull. The property is in a prime student location. At £140 per person per week across a 52-week contract that is £14,500 a year in gross rental income. Divide that by the £108,000 purchase price and Khalil has a gross yield of 13.5%. A much better return than if he were to invest where he lives, simply because the rental income isn’t comparable to the higher purchase prices. If you are based in the south and your money feels like it is not stretching far enough, this is exactly what investing in the north looks like in practice. Follow the page and click the links below to start 👇 JPU - James Property University Learn the strategy, the structure, and how to analyse deals before you buy. (jamespropertyuniversity.io) JPC - James Property Club Sourced and packaged deals like this one with the numbers already worked out for you. (jamespropertyclub.io) JPM - James Property Mortgages Finance your purchase correctly from day one - buy to let, bridging, or limited company mortgages. (jamespropertymortgages.io) James x

UPDATE: I’ve just left court 🏛️ Here is the update. I didn’t win. I didn’t lose. The date was pushed back for a final hearing. It was a preliminary hearing and I knew that going in - it said so on the letter. But there was a chance it could have been resolved today and I was hoping that would be the case. Quick background for anyone new here. A tenant at one of my Hull HMOs stopped paying their rent.The total outstanding is over £6,000. Today the judge considered whether an independent expert — a building surveyor — was needed to assess the property and help determine who was right and who was wrong. The main issue being water pressure problems during the tenancy. The judge said today that no expert is needed. But rather than resolving it today, witness statements have now been requested. My witness will be the letting agent. So there is now at least another month before evidence is even reviewed — and that is not a court date. That is just the evidence review stage. A final hearing date comes after that. This is the reality of the UK court system right now. And it is only going to get longer. With the Renters Rights Act now becoming law, Section 21 has been abolished and accelerated possession is gone. Cases like this are going to take even longer to resolve. That is a serious concern for landlords and it needs to be talked about openly. I am not saying the system is wrong. I am saying it needs to be faster. James x

On my way to court. 🏛️ This is not something I ever wanted to be doing. But it is part of being a landlord and I think it is important to be honest about all sides of this. 🔴 The background A tenant at one of my Hull HMOs stopped paying rent. The total outstanding is over £6,600. When she left, she acknowledged the debt and said she was happy for it to be resolved in court. So here we are. The tenant has raised a defence citing water problems and maintenance complaints. Everything reported was dealt with. The most significant issue was a mains leak on Yorkshire Water’s network affecting four houses - confirmed in writing by them and entirely outside my control. The property is a fully licensed HMO, inspected by Hull City Council during the tenancy with no concerns raised. Four other tenants lived there throughout. Those are objective facts that are difficult to argue against. 🔴 Timescales Nearly a year from the first missed payment to today. The legal process is slow, frustrating, and costs money before you recover anything. 🔴 How I have prepared Tenancy agreement, rent ledger, repair records, Yorkshire Water correspondence, HMO licence, council inspection evidence, and full communication logs - all organised and ready. A judge wants facts, documents, and a clear timeline. Not emotion. 🔴 What are my chances I feel confident based on the evidence. But I have not won yet and I am not walking in assuming the outcome. 🔴 My honest thoughts I am more frustrated with the guarantor than the tenant. The tenant is young. The guarantor is an adult who signed a legal agreement knowing exactly what that meant. That said, I would not want anyone leaving today with a CCJ if it can be avoided. A structured payment plan is a better outcome for everyone. 🔴 If you are ever in this situation Document everything from day one. Licence your property where required. File your claim sooner rather than later. And go in prepared, calm, and factual. The hearing is at 3:30pm today. I will update you on how it goes. James x

I have made a free guide for anyone starting out in UK property investment. 🏠 Comment the word “GUIDE” and I’ll send it straight across! It covers the 10 most common mistakes I see beginners make and almost every single one of them is completely avoidable if you know about it before you start. I have been investing in property for years and I have just been mentoring Shaun through his first purchase. I’ve also made enough mistakes along the way to know exactly what trips beginners up. This guide is completely free. To get it, all I need is 5 minutes of your time to complete a short form. It helps me understand what content and resources will genuinely help you move forward, so I can keep building better things for you. Your free guide is waiting at the end. 👇 Complete the survey here and your guide will be ready immediately: forms.gle/WkKgg7rTgLUZ6T… Or comment the word “GUIDE” below and I will send it straight to you. If you know someone thinking about getting into property, send them this. It is the thing I wish someone had given me at the start. Have a great day! James x