Property Investment Calculator

Underwrite Any Property in Minutes

Enter property details to instantly calculate gross yield, net yield, DSCR, cash-on-cash return, and rate sensitivity — built for the Malaysian market.

Property Details

Purchase Price (RM)

Floor Area (sqft)

→ RM 667 psf purchase price

Expected Monthly Rent (RM)

Gross yield: 5.0% · Net yield: 3.6%

Expected Annual Rental Growth (%)

Used for rental growth scenario chart below

Financing

Down Payment (%)

Loan: RM 540,000 · Down payment: RM 60,000

Interest Rate (p.a.)

Loan Tenure

yrs

Monthly mortgage: RM 2,556/mo

Annual Property Appreciation (%)

Used for equity projection — match your area's CAGR from Evaluator

Running Costs

Monthly Service Charge / Maintenance (RM)

Typical KL condo: RM 250–500/mo

Annual Quit Rent + Assessment (RM)

Typical: RM 400–800/yr

Vacancy Rate (%)

% of annual rent lost to vacant periods

Letting Fee (months/yr)

Agent commission for finding tenants

Stamp duty auto-calculated from Malaysian tiered schedule

Gross Yield

5.0%

Annual rent ÷ price

Net Yield

3.6%

After ops, vacancy, letting

DSCR

0.71

Debt Service Coverage Ratio — rent income ÷ mortgage. Safe ≥ 1.2, danger < 1.0

Rent income doesn't cover mortgage payments

Cash-on-Cash

-11.6%

Annual cashflow ÷ cash in

Cashflow Payback

N/A

Years for cumulative cashflow to recoup upfront cash

Negative cashflow — no payback period

Monthly Cashflow

Rental incomeRM 2,500

Mortgage paymentRM 2,556

Service chargeRM 300

Quit rent (monthly)RM 50

Vacancy reserve (5%)RM 125

Letting fee (1 mo/yr)RM 208

Net monthly cashflowRM 739

Break-even rent: RM 2,906/mo — minimum to cover mortgage + operating costs

Total Cash Required

Down payment (10%)RM 60,000

Stamp duty (auto)+RM 12,000

Legal fees (est.)+RM 3,000

Valuation fee (est.)+RM 1,500

Total upfront cashRM 76,500

Cash breakdown

Down paymentStamp dutyLegal + valuation

Equity Build-Up

Property value vs loan balance over 30 years at 4% p.a. appreciation

Yr 10 equity

RM 428,370

RM 888,147 value

Yr 20 equity

RM 980,607

RM 1,314,674 value

Yr 30 equity

RM 1,808,958

RM 1,946,039 value

Property valueLoan balanceEquity (value − loan)

Total Wealth by Rental Growth Rate

Property equity + cumulative cashflow over time, at different annual rent growth rates. Property appreciation fixed at 4% p.a.

0% p.a.1% p.a.3% p.a. (your estimate)5% p.a.7% p.a.

Interest Rate Sensitivity

How your monthly cashflow shifts with OPR / base rate movements.

Rate	Monthly Mortgage	Monthly Cashflow
2.5%(-2.0%)	RM 1,930	RM -114
3.5%(-1.0%)	RM 2,232	RM -415
4.0%(-0.5%)	RM 2,391	RM -574
4.5%← current	RM 2,556	RM -739
5.0%(+0.5%)	RM 2,725	RM -909
5.5%(+1.0%)	RM 2,900	RM -1,083
6.5%(+2.0%)	RM 3,262	RM -1,446

Rent Sensitivity

How the deal holds up if achieved rent is above or below your estimate.

Monthly Rent	Net Yield	DSCR	Monthly Cashflow
RM 2,000/mo(-20%)	2.8%	0.54	RM -1,172
RM 2,250/mo(-10%)	3.2%	0.63	RM -956
RM 2,375/mo(-5%)	3.4%	0.67	RM -847
RM 2,500/mo← estimate	3.6%	0.71	RM -739
RM 2,625/mo(+5%)	3.9%	0.75	RM -631
RM 2,750/mo(+10%)	4.1%	0.80	RM -522
RM 3,000/mo(+20%)	4.5%	0.88	RM -306

Compare against real KL transaction data

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