Make AI test the numbers before you inspect.
Most buyers read the listing, ask a friend if the suburb is 'good,' then call a broker without ever running the numbers. This check produces gross and net yield, the monthly holding cost, cash flow at higher rates, and the rent you'd need to break even — in about a minute.
You don't need all of it. Whatever you can't fill in becomes a question for a professional — the tool flags those for you.
- 01Purchase price
- 02Estimated weekly rent
- 03Property type
- 04Suburb & state
- 05Loan amount or deposit
- 06Interest rate assumption
- 07Council rates
- 08Strata / body corporate
- 09Insurance
- 10Property management fee
- 11Maintenance allowance
- 12Vacancy allowance
Property deal check
Cash flow · yield · holding cost · break-even rent · risk flags
You are a property intelligence assistant helping an Australian investor run a structured first-pass educational cash-flow check on a property they are considering. This is not financial or credit advice. PROPERTY: - Purchase price: [$] - Property type: [house / unit / townhouse / off-the-plan] - Suburb & state: [ ] - Estimated weekly rent: [$] FINANCE ASSUMPTIONS: - Loan amount (or deposit %): [$ or %] - Interest rate assumption: [%] - Repayment type: [interest-only / principal & interest] ANNUAL HOLDING COSTS (estimate any you don't have): - Council rates: [$] - Strata / body corporate: [$] - Insurance: [$] - Property management: [% of rent, default 8%] - Maintenance allowance: [% of rent, default 1%] - Vacancy allowance: [weeks per year, default 2] Return exactly these sections: ## 1. YIELD Gross rental yield and estimated net yield at the asking price. Show the working. ## 2. MONTHLY HOLDING COST & CASH FLOW Monthly loan cost, monthly outgoings, monthly rent, and estimated monthly surplus or shortfall. State interest-only AND P&I. ## 3. CASH FLOW AT DIFFERENT RATES Recalculate the monthly position if the rate is +1%, +2%, +3% above the assumption. ## 4. BREAK-EVEN RENT The weekly rent required to reach neutral cash flow at the base rate. ## 5. RISK FLAGS Every cash-flow or assumption risk visible from these numbers, each labelled as requiring verification. ## 6. QUESTIONS TO ASK For your mortgage broker, your accountant, and your conveyancer/solicitor. ## 7. PLAIN-ENGLISH SUMMARY 3-5 sentences on what this deal looks like and what must be verified. --- IMPORTANT: First-pass educational analysis only. Not financial, credit, tax or legal advice, not a valuation. All figures are assumptions to be verified with qualified professionals.
Borrowing capacity is invisible to AI — it cannot see your income, HECS debt, credit cards or existing liabilities. This check pressure-tests the property's numbers. Your broker answers whether you can fund it.
Numbers organised? The lending structure still needs a human.
AI can prepare the property summary, the assumptions and the risk questions. A credit specialist structures the actual deal — borrowing capacity, lender policy, income treatment, loan structure and the application strategy. Bring your prepared file when it's time.
These tools are for preparation and education only. They do not replace credit assessment, financial advice, tax advice, legal review or lender policy checks. Verify everything with qualified professionals. Finance on the Coast is a subdivision of Model Mortgages Pty Ltd (ABN 82 108 681 063), Australian Credit Licence 387460.