Monthly cash flow
−R 7,942/mo
after all costs
Gross rental yield
9.6%
SA benchmark >7%
Cash-on-cash return
-43.1%
on your cash invested
The property
R
R
%
= R 150,000
Your bond
% p.a.
SA prime = 10.5%. Adjust for prime ± your credit profile.
years
Monthly running costs
R
Typically 0.6–1% of property value p.a.
R
Enter 0 for freehold / standalone property
% of rent
SA standard: 8–12%. Enter 0 if self-managing.
R
R
Rule of thumb: 5–8% of rent monthly
%
SA mid-market average ~7–8%
Once-off acquisition costs
R
SARS 2026 — auto-calculated
R
Estimated from LSSA tariff
R
Estimated from bond amount
R
Initiation fee + deeds office levy
Total acquisition costs: R 71,137 · Total cash required: R 221,137
Monthly breakdown
| Income | |
| Gross rent | R 12,000 |
| Less vacancy (8%) | − R 960 |
| Effective rental income | R 11,040 |
| Costs | |
| Bond repayment | − R 13,478 |
| Municipal rates | − R 1,200 |
| Levy | − R 1,800 |
| Management fee | − R 1,104 |
| Insurance | − R 800 |
| Maintenance reserve | − R 600 |
| Net monthly cash flow | − R 7,942 |
Good yield, but the bond is too heavy
The yield is solid at 9.6%, but your bond repayment of R 13,478/mo is dragging you into negative cash flow. A larger deposit or a lower purchase price would fix this.
SA benchmarks
Gross rental yield
9.6%› 7%
Net rental yield
4.4%› 4.8%
Cap rate (NOI)
4.4%› 6%
Cash-on-cash return
-43.1%› 8%
Your investment snapshot
Bond amountR 1,350,000
Total cash needed upfrontR 221,137
Monthly bond repaymentR 13,478/mo
Annual cash flow−R 95,306/yr
Break-even rentR 21,592/mo