ROI INVESTMENT GUIDE
Explore your rental investment.
Compare income, costs and financing for your property.
Enter your own rental-rate estimate and costs. The 75% starting occupancy is an illustration; compare 70–80% below. These are not verified occupancy forecasts.
Your assumptions
Include applicable VAT, legal and purchase charges, furnishing and refurbishment. Enter 0 only if none apply.Include utilities, insurance, communal charges, cleaning not recovered from guests, maintenance and a replacement reserve. Avoid counting any cost twice.Use local comparable rentals and a property-management quotation to inform your assumptions. No live market-data or AI connection is used in this calculation.
ESTIMATED ANNUAL CASH FLOW
—Before income tax, after operating costs and mortgage repayments.
Complete all applicable inputs. Enter 0 for costs only where appropriate. Mortgage deposit must be below the price, and total cash invested must be greater than zero.
Compare occupancy scenarios
| Occupancy | Occupied nights | Gross rent | Annual cash flow | Cash-on-cash |
|---|---|---|---|---|
| 70% | — | — | — | — |
| 75% | — | — | — | — |
| 80% | — | — | — | — |
How to read the results
Gross rent is the nightly rate multiplied by occupied nights. Operating income deducts management, booking and annual running costs. Cash flow also deducts mortgage repayments. Cash-on-cash return divides that cash flow by your deposit (or full cash purchase price) plus purchase and setup costs.
This guide excludes income tax, property appreciation, sale proceeds and changes in interest rates. Mortgage principal repayment builds equity but is treated as a cash outflow here. Rental rates vary by season, location and property; owner stays reduce available nights. Returns can be negative and are not guaranteed.
Discuss your assumptions with our team ↗