Does this condo actually work for you?
Model the real numbers — cash flow, yield, exit proceeds — and see why even a breakeven rent is building your wealth.
01
Property Details
Acquisition
Property Name
Purchase Price
$
Loan-to-Value (LTV)
75%
Loan amount: —
Loan Tenure (years)
yrs
Interest Rate (p.a.)
%
Legal Fees
$
Computed Upfront Cost
Buyer's Stamp Duty (BSD)
$
Cash Deposit (25%)
$
Total Equity Required
$
Monthly Mortgage Instalment
$
Your loan: — over — years at —% p.a.
02
Rental Income
Tenant 1 (Primary)
Monthly Rent
$
Tenant 2 (Optional)
Monthly Rent
$
Total Rental
Combined Monthly Rental
$
Gross Rental Yield
%
03
Annual Holding Costs
Fixed Annual Costs
Property Tax (p.a.)
$
Maintenance / MCST (p.a.)
$
Variable Annual Costs
Agent Fees (auto-calculated)
$
= 0.5 month rent + 9% GST, annualised
Mortgage Interest (p.a.)
$
04
Returns Analysis
Net Rental Return (p.a.)
—
—
Return on Equity (ROE)
—
vs. equity deployed
Monthly Cash Flow
—
per month after all costs
Enter your numbers to see the verdict
Adjust purchase price, loan, rental, and costs above to get your personalised property assessment.
05
Exit & Wealth Build
5-Year Exit Scenario
Even if you sell at breakeven, your tenant's rent has been paying down your principal — building equity you never had to save yourself.
Holding Period (years)
yrs
Projected Selling Price
$
Selling Agent Commission
%
= —
Selling Legal Fees
$
Principal Repaid by Exit
$
Net Proceeds at Exit
$
Annualized Return (IRR)
%
06
Visual Story
Rent Covers the Mortgage
Each month your tenant is paying part of your mortgage. Even when cash flow is slightly negative, the principal portion is wealth transfer — from their pocket to your asset.
Your Equity Grows Over Time
The blue area is equity you own. Even if the price stays flat, principal repayments and your initial deposit compound into a larger asset base each year.
Cost Breakdown (Annual)
Where your rental income goes — and what's left as net return.
Sell at Any Price — Proceeds at Year 5
Each bar shows net proceeds if you sold at that price. The dashed line is your break-even point. The yellow band shows "rent paid your debt down" wealth even below break-even.
07
Full Summary
Complete Deal Snapshot — My Investment Property
| Item | Amount | Note |
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