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9 Nicole Place, Goulburn NSW Property Cashflow Report

9 Nicole Place, Goulburn NSW is modelled as a lower-yield 5-bedroom, 2-bathroom property that is materially negatively geared under the current assumptions.

Live Scenario
Purchase Price
$690,000
Rent / Week
$400
Gross Yield
3.01%
Pre-Tax Cashflow / Week
-$449
20Y Accumulated Cashflow
-$391,770
Break-Even Value Lift
56.78%
10Y Annual Growth Needed
4.60%

At a purchase price of AUD 690,000 and estimated rent of AUD 400 per week, this scenario produces an estimated gross yield of 3.0% and after-tax cash flow of -AUD 278 per week. The model assumes a 20.0% deposit, an initial interest rate of 6.0%, and a vacancy allowance of 2.0%. The leverage is moderate, so the result is still sensitive to rent and rate changes. Recorded details include 3 car spaces.

Based on a purchase price of $690,000, the property would need to reach about $1,081,770 to recover projected cash losses. That implies a break-even value lift of 56.78% overall, or about 4.60% annual growth over 10 years.

20-Year Cashflow and Loss Recovery View

This 20-year projection focuses on pre-tax cash flow, accumulated cash losses, and the property value growth required to recover those losses. A lighter secondary line shows the tax-adjusted scenario, but the primary focus is the underlying cash position.

Year 1 Pre-Tax
-$23,374
20Y Accumulated Cashflow
-$391,770
Break-Even Value Lift
56.78%
Value increase from the current purchase price needed to recover projected 20-year cash losses.
Pre-Tax CashflowTax-Adjusted
20-Year Horizon
Loss Recovery Target
Property value needs to reach $1,081,770
This is the estimated sale value required to offset accumulated pre-tax cash losses over the projection period.
Strongest Pre-Tax Year
Year 20 at -$15,329
10Y Annual Growth Needed
4.60%
Compound yearly property growth needed to hit the break-even value within 10 years.
$0-$12k-$23kY1Y5Y10Y15Y20
Year 1
Pre-Tax-$23,374
Accumulated Tax Effect$8,932
Tax-Adjusted-$14,442
Year 5
Pre-Tax-$22,100
Accumulated Tax Effect$8,550
Tax-Adjusted-$13,550
Year 10
Pre-Tax-$19,882
Accumulated Tax Effect$7,764
Tax-Adjusted-$12,117
Year 20
Pre-Tax-$15,329
Accumulated Tax Effect$6,399
Tax-Adjusted-$8,930

In Year 1, the property is projected at -$23,374 before tax. Across 20 years, accumulated pre-tax cash flow totals -$391,770, which implies a break-even property value of $1,081,770.

Break-even value lift means the percentage increase from the current purchase price needed to recover projected cash losses before selling costs. To reach that recovery point within 10 years, the property would need compound annual growth of about 4.60%. The strongest pre-tax year in this view is Year 20 at -$15,329.

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Local Context

9 Nicole Place, Goulburn NSW sits in Goulburn, NSW. Use the links below to compare cashflow reports for nearby suburbs and the wider state.