Property ROI Reality Check

Calculate actual returns. Include maintenance, void periods, opportunity cost. The truth hurts.

Property Details

Purchase Price

€

Monthly Rent

€

Using Mortgage

Mortgage Rate (%)

Down Payment (%)

Irish Market Benchmarks

THE VERDICT

Worse than stocks

You'd make €17,968 more per year in an S&P 500 index fund.

Gross Yield

5.6%

Net Yield

-3%

Cash on Cash

-29.9%

Net Annual

€-13,468

Annual Breakdown

Rental Income€25,200

Expenses

Mortgage Payments-€27,013

Maintenance (1.5%)-€6,750

Management (10%)-€2,520

Vacancy (5%)-€1,260

Insurance-€900

Property Tax (LPT)-€225

Net Annual Income€-13,468

vs S&P 500 Index Fund

Cash Needed (Down Payment)€45,000

Property Annual Return€-13,468

Stock Market Return (10% avg)€4,500

Difference€-17,968

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