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Those costs would be funded by the rental return. So your return on return property is


Captial gain + Net Rental income after costs


In my experience roughly 25% of the rent goes towards costs, leaving about 75% as net rent. Interest expense is a separate thing if you decide to use debt, in that case any interest eats into you 75% net rent, and if the loan is big eats it all and the property becomes “Negatively geared”


if you are living in the house yourself the rental return is the rent you saved, after your costs.


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