Yields, cash flow and profitability

📖⌚ 2 minutes.  📅💫 .

Before we begin this series of exercises, we’re going to explain or refresh your memory about the language of rental profitability, also known as the rental yield of a project. There are 3 ways of measuring the performance of a property project : calculating the yield (gross, net or net net), cash flow calculating or profitability calculating. Some members are kind enough to share confidential information and experiences with you. We ask you to respect them. All discussions on this subject must remain within our club.

📑 Table of contents

Yield, cash flow and profitability

Yield

Gross yield

The gross yield gives you a quick indication of whether a property transaction is profitable enough, and whether it makes sense to go further. Easy to calculate, it often gives a high rate that does not take into account expenses (charges, taxes and duties). There are two ways of calculating the gross yield on a project:

  • Variant 1 : Gross yield (in %) = annual rent x 100 / purchase price of the property
  • Variant 2 : Gross yield (in %) = annual rent x 100 / purchase price plus acquisition costs (agency fees, solicitor’s fees, administration costs, including any works). This option is recommended by the club.

Example : a lot of 4 garages is sold for € 50,000, each garage is let for € 80 per month, i.e. € 320 per month. The gross yield is 320 x 12 x 100 / 50,000 = 7.68 %. The acquisition costs are 8 % notary’s fees and € 1,000 administration fees, i.e. a total of € 5,000. Gross yield : 320 x 12 x 100 / (51,000 + (50,000 x 0.08)) = 6.9 %.

This article is reserved for club’s sympathizers and members🍀. You still have 90% to discover.

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