Public release · 2026No login required

Investor-grade real estate model

Live cashflow, cap rate, cash-on-cash, amortization, and what-if scenarios tuned for 2026 financing.

Inputs

Property & purchase

Purchase price

Deposit mode

Deposit %

Legal fees

Inspections

Stamp duty / transfer tax

Loan

Financing

NZ bank preset

Rates are indicative only and may differ from advertised rates.

Interest rate % (fixed)

Floating reference %

Rate type

Loan term (years)

Repayment frequency

Extra principal per payment

Applied to every scheduled repayment

LVR 70.4% (max 65.0%)Borrower type and bank presets adjust max LVR.

Rent

Income & vacancy

Rent amount

Rent frequency

Vacancy mode

Vacancy %

Opex

Operating expenses

Property taxes (annual)

Insurance (annual)

Maintenance mode

Maintenance %

Management fee % of rent

HOA / body corporate (monthly)

Other expenses (monthly)

Healthy Homes compliance

Enabled

Apply Healthy Homes compliance costs

Heating (annual)

Insulation (annual)

Ventilation (annual)

Moisture & drainage (annual)

Maintenance allowance (annual)

Upfront compliance

Compliance impactAnnual cost: NZ$1,900Payback period: 1.8 yrs

Costs are estimates only. Actual compliance requirements vary by property.

Scenarios

Growth & what-ifs

Appreciation % (annual)

Rent growth % (what-if)

2.0% rent growth applied to scenario output.

Applied to scenario run

Interest rate bump

Stress test

Info-only

Bright-line scenario

Bright-line may apply

Intended holding period (years)

Expected sale price

Purchase price (for reference)

Bright-line period: 10 years.

Bright-line may apply. Estimated taxable gain (no tax applied): NZ$190,000.

Bright-line estimates are informational only. Consult a tax professional.

Outputs

Summary

Negative cashflow

Net cash flow

-NZ$2,527 /mo

-NZ$30,322 /yr after debt + opex + vacancy

Cap rate

2.4%

NOI / purchase price. Cash-on-cash -10.5%.

Cash invested

NZ$288,500

Deposit + closing costs. Annual ROI 2.7%.

Equity

NZ$488,209

Year 5 projected (appreciation + amortization).

Scenario

What-if deltas

Interest bump (base)NZ$706 /yr delta

Rent growth applied2.0%

Extra principal per paymentNZ$100

Total interest saved vs base: NZ$0
Term reduction: 0 payments.

Advisory

Tax estimation

Interest deductibility (yr 1 est.)NZ$45,745

Depreciation placeholderNZ$19,000

Taxable NOI (pre deductions)NZ$22,433

Estimates only. Consult a qualified accountant.

Schedule

Amortization & payments

Payment mix

Early payments are mostly interest; principal share grows over time.

PeriodPaymentPrincipalInterestBalance

1NZ$2,129NZ$358NZ$1,772NZ$668,142

2NZ$2,129NZ$358NZ$1,771NZ$667,784

3NZ$2,129NZ$359NZ$1,770NZ$667,425

4NZ$2,129NZ$360NZ$1,769NZ$667,064

5NZ$2,129NZ$361NZ$1,768NZ$666,703

6NZ$2,129NZ$362NZ$1,767NZ$666,341

7NZ$2,129NZ$363NZ$1,766NZ$665,977

8NZ$2,129NZ$364NZ$1,765NZ$665,613

9NZ$2,129NZ$365NZ$1,764NZ$665,248

10NZ$2,129NZ$366NZ$1,763NZ$664,882

11NZ$2,129NZ$367NZ$1,762NZ$664,515

12NZ$2,129NZ$368NZ$1,761NZ$664,147

13NZ$2,129NZ$369NZ$1,760NZ$663,778

14NZ$2,129NZ$370NZ$1,759NZ$663,408

15NZ$2,129NZ$371NZ$1,758NZ$663,037

16NZ$2,129NZ$372NZ$1,757NZ$662,665

17NZ$2,129NZ$373NZ$1,756NZ$662,292

18NZ$2,129NZ$374NZ$1,755NZ$661,918

19NZ$2,129NZ$375NZ$1,754NZ$661,543

20NZ$2,129NZ$376NZ$1,753NZ$661,167

21NZ$2,129NZ$377NZ$1,752NZ$660,790

22NZ$2,129NZ$378NZ$1,751NZ$660,412

23NZ$2,129NZ$379NZ$1,750NZ$660,033

24NZ$2,129NZ$380NZ$1,749NZ$659,653

Payment per fortnightlyNZ$2,029

Total interest (life)NZ$766,894

Remaining balance year 5NZ$613,101

Term length (payments)675