Madexify HomeROI Free tool
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Basic view — flip the switch for tax, negative gearing, LMI, DSCR & a deal score
Investment inputs

Run the numbers before you inspect.

Adjust a listing's price, rent and costs. Stamp duty, LMI and every figure on the right recalculate instantly, on your device.

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Property & acquisition

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Financing & income

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yrs
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Modelling at your entered rate of 6.1%.

Holding costs

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Tax & growth

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Review the numbers
VIC investment snapshot
Richmond townhouse
Purchase
$780,000
Estimated first-year ROI
4.7%
cash flow + principal paid + assumed growth
3.1%NET
YIELD
Loading live ABS data… Source: ABS →
Weekly cash flow
-$414/wk
-$21,542 / yr (pre-tax)
Gross yield
4.8%
vs VIC unit median 4.8%
Cash-on-cash
-10.9%
on $198,000 cash invested
Break-even rent
$1,147/wk
to reach zero cash flow
Advanced metrics
ATO tax offset
+$5,975
negative gearing benefit / yr
Net yield
3.1%
NOI ÷ price + buying costs
LVR
80.0%
no LMI payable
DSCR
0.53×
rent cover on repayments
GRM
20.8×
price ÷ annual rent
Interest paid, Y1
$37,856
deductible portion
Strata ratio
10.6%
of collected rent
Holding cost ratio
34.4%
opex ÷ collected rent
Deal scorecard Grade C 58/100
Capital intensive / high cost
What's working
    Worth a closer look
      Annual cash flow 34.4% cost ratio

      Where the rent goes

      Rent collected
      $36,000
      Holding costs
      -$14,363
      Loan repayments
      -$45,377
      Upfront cash

      Cash required

      Deposit (20%)$156,000
      Stamp duty$41,870
      Legal, inspections & fees$2,515
      LMI$0
      Total out of pocket$200,385
      Loan amount$624,000
      Monthly repayment$3,781
      Projection

      If your assumptions hold — 5 years

      Property value Loan balance Equity (gap)
      Property value Y5
      $995,494from $780,000 today
      Net equity Y5
      $485,206value minus loan balance
      Cumulative cash flow
      -$100,342total in or out of pocket
      YearProperty valueLoan balanceNet equityRent / yrCash flowCumulative
      Estimate only — not financial, tax or legal advice. Stamp duty, concessions and surcharges are modelled on published state schedules and change regularly; land tax, CGT on sale, lender fees and your personal tax position are not included. Depreciation requires a quantity surveyor's schedule. Confirm every figure with a qualified Australian financial adviser, accountant, mortgage broker or conveyancer before making a decision.