Returns · Tool 27

Rental cashflow

Monthly top-up after mortgage and recurring costs, plus break-even occupancy.

Decision questionHow much cash must the owner add each month?

Rules reviewed10 Aug 2026NAVARO method basis

02 · Primary answerWatch the constraint

Monthly owner top-up

S$423Gross rent less mortgage and the entered recurring non-loan holding costs.

MortgageS$4,623

Break-even occupancy108.1%

Annual cashflow−S$5,071

Decision shaperelative scale

Rent

S$5,200

Mortgage

S$4,623

Other costs

S$1,000

NAVARO read

Treat the top-up as a fixed monthly commitment and stress it for vacancy and higher rates.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Monthly rentS$5,200

02Mortgage payment−S$4,623

03Monthly holding costs−S$1,000

04Net monthly cashflow−S$423

Continue the decision