Property Investor Answers

Understanding the numbers

Updated 05/11/2026

How do I work out cash flow on an investment property?

Cash flow is all the money your property brings in, minus all the money it costs you to hold it, over the same period. Add up rent received, subtract every cost including your full loan repayments, and the result tells you whether the property pays you each month or needs topping up.

Read answer

Updated 05/11/2026

How do I calculate the equity in my property portfolio?

Your total equity is the combined current value of all your properties minus everything you still owe on them. The equity you can actually borrow against, called usable equity, is usually much smaller: for each property it is generally 80% of its value minus that property's loan balance.

Read answer