THE INVESTMENT CASE
Does the investment add up
Look past the headline rent: gross and net yield, your holding-cost assumptions and monthly cash flow.
Starting amounts and rates are illustrative assumptions, not city market data or lender quotes. Edit them for your circumstances. All results are in AUD.
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Market references & source notes
City rent reference / week
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City sale price reference
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Apartment and unit both use the all-units series; ABS sale data covers attached dwellings, not a separate apartment or unit category. City figures are context only. There are no district estimates or city yield comparisons.
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- monthly cash flow
- −$2,392/mo
- gross yield
- 4.2%
- net yield
- 2.2%
- Negative cash flow
- −$28,705/yr
- annual cash flow
Monthly breakdown
Income
- Rental income
- +$2,600/mo
Expenses
- Mortgage repayment
- −$3,792/mo
- Property management (8%)
- −$208/mo
- Council + water rates
- −$242/mo
- Insurance
- −$125/mo
- Maintenance reserve
- −$625/mo
- Net cash flow
- −$2,392/mo
- Break-even weekly rent
- $1,201/wk
- $601/wk below break-even
- Total annual expenses
- $14,396/yr
- $1,200/mo · 46% of gross rent
Cash flow includes principal repayments and is not taxable profit or a gearing assessment. No tax deductions, depreciation, land tax or capital gains tax are calculated. Yields use your price and rent inputs, with 52 paid weeks per year; acquisition costs are excluded. ATO rental interest guidance.