Alasdair answers three listener questions: what to do with £5-8k, how to work in property with CCJs on your record, and whether London is still worth it. He also shares the story of a client who lost money on a rent-to-rent deal after trying to go it alone.

• Education first: with £5-8k, Alasdair says to invest in learning and support before a deal, then start with a low money down strategy such as property sourcing, rent to rent or property management.
• Why the wrong deal costs you: his client's South London rent to rent had rent of nearly £3,500 a month and low occupancy, so she covered the shortfall for six months.
• Property with CCJs: options covered include bringing in a partner with a clean record (with legal advice), flipping, bridging finance through a good broker, joint ventures, sourcing and rent to rent.
• Rent to rent and credit checks: because these deals sit under a company agreement, you may be able to arrange something like six months up front.
• London: Alasdair thinks the best time to buy there has passed, but says rent to rent (mind the 90-day rule) and buy, refurbish, refinance still work, and an hour north has plenty of opportunity.

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