Returns · Tool 29

Investment grade

Grades average annual return after rent, financing, holding costs and exit deductions.

Decision questionIs leverage creating a genuinely durable return?

Rules reviewed10 Aug 2026NAVARO method basis

02 · Primary answerPasses entered checks

NAVARO investment grade

4Average annual return after entered rent, mortgage payments, holding costs, sale fee and CPF restoration.

Avg cash return / year21.8%

Avg total-capital return / year14.1%

Net rental cash flow−S$25,354

Decision shaperelative scale

Cash return / yr

21.8%

Total-capital return / yr

14.1%

NAVARO read

Both cash and total capital clear the 5% annual benchmark under the entered assumptions.

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.

01Upfront capital deployedS$422,600

02Gross rent receivedS$312,000

03Mortgage payments−S$277,354

04Holding costs−S$60,000

05Loan balance at exit−S$996,511

06Selling fee−S$39,240

07CPF restoredS$203,653

08Cash at exit after CPFS$560,595

Continue the decision