Property roadmap MVP

Map the fastest responsible route to a multi-million-dollar property portfolio.

Enter your financial coordinates, test a potential property, compare suburbs, tune lender assumptions, and see whether the next bottleneck is capital, serviceability, cash flow, tax leakage, or risk exposure.

Start modelling

Route statusConstraint active

The roadmap highlights what must be solved before the next purchase.

51/100

Deal-to-roadmap score

Available capital

$296,800Cash above buffer plus usable equity at 80% LVR.

Required upfront

$131,250Deposit plus acquisition costs for the modelled purchase.

Borrowing capacity

$137,835Balanced lender, assessed at 9.25%.

After-tax cash flow

-$8,119 p.a.Includes estimated depreciation and tax effect.

Financial coordinates

Adjust the assumptions. Outputs update instantly across the route map.

Scenario vault

Scenario nameSaved scenario

Lender serviceability

PresetAssessment buffer%Loan termyearsRental shading%Credit-card assessment% of limitLiving expense loading%

Portfolio target

Target portfolio value$Target timeframeyears

Current position

Gross annual income$Monthly living costs$Cash savings / offset$Emergency buffermonthsCredit-card limits$Marginal tax rate%

Existing property base

Current property value$Existing property debt$Existing weekly rent$

Next purchase model

Purchase price$Deposit%Acquisition costs%Interest rate%Weekly rent$Vacancy allowance%Management fee%

Costs, tax and growth

Council and water p.a.$Insurance p.a.$Strata/body corp p.a.$Maintenance p.a.$Depreciation p.a.$Land tax p.a.$Capital growth%Rent growth%

Route intelligence

Your next acquisition has an active bottleneck.

This MVP separates deposit capacity, lender stress settings, tax-adjusted cash flow, and leverage risk so the next action is easier to identify.

12 mo.Indicative route delay

Projection corridor

Portfolio value and equity route

Cash-flow waterfall

Annual holding result

Risk contour

Leverage remains in a workable band

Modelled LVR: 88.0%. Test valuation, vacancy and rate shocks before committing.

Deposit capital

$165,550 surplus after this acquisition.

Serviceability

$522,165 estimated borrowing gap under lender stress settings.

Cash-flow resilience

$8,119 annual after-tax holding cost requires surplus income.

Leverage risk

Proposed LVR is 88.0%; higher leverage may reduce lender flexibility.

Deal comparison

Rank suburbs and properties before applying one to the route

Add live deal assumptions, compare yield, growth, vacancy, stock pressure and feasibility, then push the preferred deal into the main calculator.

Top ranked: Logan Reserve, QLD at 66/100

Rank	Yield	Cash flow	Feasible
#166/100	4.97%	-$15,858	Not yet
#265/100	5.40%	-$12,130	Not yet
#359/100	4.58%	-$17,157	Not yet

Acquisition route

A staged roadmap, not a static number

The app turns assumptions into waypoints so you can see what must happen before the next purchase becomes responsible.

Coordinate 01

Stabilise base camp

Hold $43,200 as a 6-month household buffer before using surplus cash.

Coordinate 02

Clear the next bottleneck

The route is close, but serviceability or usable capital needs attention first.

Coordinate 03

Recycle equity with discipline

At 5.5% growth, track usable equity annually and keep portfolio LVR below an agreed risk ceiling.

Coordinate 04

Reach target portfolio corridor

5 more similar purchases may be required after this one to approach $5,000,000.

Strategy modules

Investment and tax logic included in the MVP

This version models growth, yield, equity release, lender stress buffers, depreciation, negative gearing, land-tax awareness, scenario planning, and deal ranking.

Buy-box optimiser

Compares required capital, LVR, yield, cash flow and serviceability so a deal is judged by whether it helps the next purchase, not just whether it looks attractive alone.

Tax strategy ledger

Estimates interest deductibility, depreciation effects, negative or positive gearing, and land tax as portfolio-level considerations. It is designed for review with a tax adviser.

Equity recycling path

Projects value and equity over time, then identifies whether the next waypoint is constrained by cash, equity, income, serviceability, or risk buffers.

Important modelling note

This MVP provides educational estimates only. It does not replace advice from a licensed mortgage broker, financial adviser, solicitor or registered tax agent. Lender policies, ATO treatment, state land tax, interest rates, rents, valuations and personal circumstances can materially change the result.