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Property Investment Tools

Know Your Numbers Before You Build

Four calculators designed for property investors. Model your yield, cash flow, depreciation benefits and loan structure before committing a dollar.

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9.6%+
Gross Yield
$121K
Dwellings From
40 yrs
Division 43
12 wks
Factory Build

Calculator 1 of 4

Rental Yield Calculator

Calculate gross and net rental yield on an Outhaus secondary dwelling. Choose a preset or enter your own numbers.

Dwelling + site costs + approvals
Market rent for your area
Typical 2-4% for secondary dwellings
0% if self-managed, typically 7-10%
Landlord insurance
Additional rates for secondary dwelling
Budget 0.5-1% of dwelling value
If not passed to tenant
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Gross Yield
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Net Yield
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Annual Net Income
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Payback Period
Annual Breakdown
Gross rental income--
Less vacancy--
Less property management--
Less insurance--
Less council rates--
Less maintenance--
Less water/utilities--
Net annual income--
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How we calculate net yield: Gross rent minus vacancy, management fees, insurance, rates, maintenance and utilities, divided by your total investment. This does not include loan repayments (see Cash Flow tab) or tax benefits (see Depreciation tab).
Want the full investor picture?
Read the Client Guide Check Your Site

Calculator 2 of 4

Monthly Cash Flow

See what hits your bank account each month after rent comes in and the mortgage goes out. The number that actually matters.

Amount borrowed for this build
Current variable or fixed rate
Insurance, rates, maintenance, mgmt fees
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Monthly Rent (adj.)
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Monthly Repayment
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Monthly Cash Flow
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Annual Cash Flow
Monthly Breakdown
Gross monthly rent--
Less vacancy allowance--
Less loan repayment (P&I)--
Less operating expenses--
Net monthly position--
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Negative cash flow is not necessarily bad. Many investors accept a small monthly shortfall because depreciation tax benefits and capital growth more than compensate. See the Depreciation tab to model your tax position.

Calculator 3 of 4

Tax Depreciation Benefits

New builds unlock the highest depreciation deductions. Outhaus dwellings qualify for both Division 43 (building) and Division 40 (plant and equipment) claims.

Dwelling price (ex-site)
Appliances, fixtures, blinds, hot water
32.5% ($45-120K), 37% ($120-180K), 45% ($180K+)
Typical hold period for investors
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Div 43 / Year
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Div 40 Year 1
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Tax Refund Year 1
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Total Deductions
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Total Tax Saved
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Weekly Tax Benefit
Year-by-Year Depreciation Schedule
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Division 43 covers the building structure at 2.5% per year over 40 years. Division 40 covers plant and equipment (appliances, blinds, hot water systems) using the diminishing value method. New builds like Outhaus dwellings maximise both claims. Always get a quantity surveyor's depreciation schedule for your actual claim. These figures are estimates only.
See how the numbers stack up for your property
Check Your Site Book a Call

Calculator 4 of 4

Loan Structure

Model how much you need to borrow and what the repayments look like at different rates. Most investors fund secondary dwellings through equity release on their existing property.

Cash or equity contribution
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Loan Amount
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Monthly Repayment
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Weekly Repayment
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Total Interest
Rate Sensitivity
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Equity release is the most common funding method. If your existing property has grown in value, your lender can extend your mortgage to fund the build. No separate loan application, no additional deposit. Talk to your broker about whether your property qualifies. Outhaus dwellings also add value to the host property, improving your LVR over time.

Ready to Run the Real Numbers?

Our site feasibility check tells you whether your property qualifies, what it will cost, and what the rental return looks like for your specific location.

Check Your Site Read the Client Guide Book a Call

Or call 0489 260 274. Or email [email protected].