Rental Yield & Breakeven
Gross yield is the marketing number. Net yield — after mortgage, MCST, property tax, insurance, vacancy, and income tax — is the honest one. Here's both, plus monthly cashflow and years-to-breakeven on your cash outlay.
Notes: Uses straight-line first-year estimates. Property tax shown is at non-owner-occupied rates (IRAS progressive 12–36% of AV) — use the actual AV for precision. Rental income tax deducts mortgage interest, MCST, property tax, insurance, and repairs. SSD and capital appreciation not modelled — this is cashflow yield only. Cash-on-cash excludes stamp duty at exit.