Free Template
Real Estate Investment Template
Comprehensive property analysis template for calculating rental yield, cash flow, and mortgage coverage.
Template Content
Property Investment Analysis ============================ 1. Acquisition Costs (Sheet 1) ----------------------------- - Purchase Price: [Value] - Stamp Duty: [Value] - Legal/Conveyancing: [Value] - Building/Pest Inspection: [Value] - Immediate Repairs: [Value] - Total Entry Cost: =SUM(B4:B8) 2. Recurring Monthly Cash Flow (Sheet 2) --------------------------------------- - Monthly Rent: [Value] - Monthly Mortgage (P&I): [Value] - Property Management Fee (%): [Value] - Council Rates: [Value] - Insurance: [Value] - Maintenance Reserve: [Value] - Net Monthly Cash Flow: =B12 - (B13 + (B12*B14) + B15 + B16 + B17) 3. Key Performance Indicators (Sheet 3) -------------------------------------- - Gross Rental Yield: =(Monthly Rent * 12) / Purchase Price - Net Rental Yield: =((Monthly Rent * 12) - Annual Expenses) / Total Entry Cost - Loan-to-Value Ratio (LVR): =Loan Amount / Purchase Price
How to Use This Template
- 1
Create three sheets in your Excel workbook: Acquisition, Cash Flow, and KPIs.
- 2
In the Acquisition sheet, list all 'upfront' costs to find your true cost of entry.
- 3
In the Cash Flow sheet, input your expected rent and all monthly operating expenses.
- 4
Link the formulas in the KPI sheet to the data in the first two sheets.
- 5
Use the 'Maintenance Reserve' to set aside 1% of the property value annually for repairs.
Pro Tips
Always account for a 5% vacancy rate (approx. 2.6 weeks per year) in your income projections.
Stress test your mortgage: Calculate cash flow if interest rates rise by 2-3%.
Keep a separate tab for capital improvements to track your cost base for future CGT calculations.
Ivy Sinclair-Wren
Financial Chaos Analyst
Ivy Sinclair-Wren is a Financial Chaos Analyst covering investing, AI, wealth psychology, and the emotional consequences of opening finance apps during market crashes. Based in Melbourne, she specializes in demystifying the Australian tax code and helping users navigate the intersection of spreadsheet logic and human irrationality.