Calculator
Analyze property investment opportunities with comprehensive mortgage calculations, yield analysis, cash flow projections, and return metrics.
Input property details, financing terms, and rental expectations to evaluate investment potential.
R 500 000
Monthly Bond Payment
R 17 356
Total Acquisition Cost
R 2 650 000
Cash Required
R 650 000
Gross Rental Yield
7.20%
Net Rental Yield
-5.21%
Monthly Net Cash Flow
-R 10 856
Annual Net Cash Flow
-R 130 278
Cash-on-Cash Return
-20.04%
Loan-to-Value Ratio
80.00%
Disclaimer: This calculator is for educational purposes only. It provides estimates based on the inputs you provide. Actual property performance, market conditions, tax implications, and other factors will affect real-world results. Consult with a qualified property advisor, accountant, or financial professional before making investment decisions.
Metrics Explained
Gross Rental Yield
Annual rental income divided by purchase price. Shows raw income return before expenses.
Net Rental Yield
Annual net cash flow divided by purchase price. Shows true return after all expenses and debt service.
Cash-on-Cash Return
Annual cash flow divided by total cash invested (deposit + costs). Measures return on your actual cash outlay.
Loan-to-Value (LTV)
Bond amount divided by property value. Lower LTV = less risk, less leverage. Higher LTV = more risk, more leverage.
Break-Even Rent
Minimum monthly rent needed to cover all expenses and bond payments. Rent below this level results in negative cash flow.
Debt Service Coverage
Rental income divided by bond payment. Higher ratio means stronger cash position relative to debt obligations.