Investment Dashboard

Spring Creek" Scrubby Mountain Road, Monto QLD Property Cashflow Report

Spring Creek" Scrubby Mountain Road, Monto QLD is modelled as a lower-yield 0-bedroom, 0-bathroom property that is materially negatively geared under the current assumptions.

Live Scenario
Purchase Price
$2,800,000
Rent / Week
$2,025
Gross Yield
3.76%
Pre-Tax Cashflow / Week
-$949
20Y Accumulated Cashflow
-$393,405
Break-Even Value Lift
14.05%
10Y Annual Growth Needed
1.32%

At a purchase price of AUD 2,800,000 and estimated rent of AUD 2,025 per week, this scenario produces an estimated gross yield of 3.8% and after-tax cash flow of -AUD 643 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 0 car spaces.

Based on a purchase price of $2,800,000, the property would need to reach about $3,193,405 to recover projected cash losses. That implies a break-even value lift of 14.05% overall, or about 1.32% 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
-$49,331
20Y Accumulated Cashflow
-$393,405
Break-Even Value Lift
14.05%
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 $3,193,405
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 $15,471
10Y Annual Growth Needed
1.32%
Compound yearly property growth needed to hit the break-even value within 10 years.
$15k$8k$0-$25k-$49kY1Y5Y10Y15Y20
Year 1
Pre-Tax-$49,331
Accumulated Tax Effect$15,917
Tax-Adjusted-$33,414
Year 5
Pre-Tax-$38,603
Accumulated Tax Effect$13,501
Tax-Adjusted-$25,102
Year 10
Pre-Tax-$22,882
Accumulated Tax Effect$8,665
Tax-Adjusted-$14,217
Year 20
Pre-Tax$15,471
Accumulated Tax Effect-$2,841
Tax-Adjusted$12,630

In Year 1, the property is projected at -$49,331 before tax. Across 20 years, accumulated pre-tax cash flow totals -$393,405, which implies a break-even property value of $3,193,405.

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 1.32%. The strongest pre-tax year in this view is Year 20 at $15,471.

Loading report...

Local Context

Spring Creek" Scrubby Mountain Road, Monto QLD sits in Monto, QLD. Use the links below to compare cashflow reports for nearby suburbs and the wider state.