Finance template
Rental Property Yield Analyser
Gross and net yield, cash-on-cash return and the occupancy you need just to break even.
- Live formulas
- 38
- Columns
- 5
- File
- 8 KB
$5
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Works in Excel 2013 and later, Microsoft 365, Google Sheets and LibreOffice Calc. Set up to print on one page wide.
About this Rental Property Yield Analyser template
Gross yield makes most rental properties look better than they are. This Excel rental property yield analyser starts from the purchase price, deposit and buying costs, adds every running cost — mortgage interest, letting fees, maintenance, voids, insurance and more — and shows what the property really returns.
The returns summary covers gross and net yield, annual net profit, monthly cash flow, cash-on-cash return, years to recover your cash and the occupancy you need just to break even.
Good for
- →Comparing buy-to-let properties before making an offer
- →Checking whether a rent increase makes a property viable
- →Seeing how an interest rate change affects cash flow
What it works out for you
Returns
- →Annual rent (fully let)
- →Annual running costs
- →Annual net profit
- →Monthly cash flow
- →Gross yield
- →Net yield
- →Total cash invested
- →Cash-on-cash return
- →Years to recover the cash invested
- →Occupancy needed to break even
- →Rent that would break you even
What you fill in
The table has 5 columns. Calculated columns fill themselves in; the rest are yours to type over.
- →Running cost
- →How it is worked out
- →Monthly
- →Annual
- →% of rent
Settings in the “Purchase” box
- →Purchase price
- →Deposit paid
- →Stamp duty
- →Legal and survey fees
- →Refurbishment before letting
Settings in the “Income and assumptions” box
- →Monthly rent
- →Mortgage interest rate
- →Letting agent fee (% of rent)
- →Maintenance allowance (% of rent)
- →Void weeks per year
- →Landlord insurance (monthly)
- →Service charge (monthly)
- →Ground rent (monthly)
- →Safety certificates (monthly)
- →Accountancy (monthly)
How to use it
Fill in the Purchase and Income boxes first. Every running cost below is either typed in or worked out from the rent, and the returns follow from both.
The file opens with sample rows so you can see every formula working before you change anything. Type your own figures over them. When you need more rows, insert them inside the existing block rather than underneath it, so the totals keep covering every row.
Shaded, boxed cells below the table are settings the formulas read from. Change those first — every row that depends on them updates at once.
Functions it uses
Every one of these exists in Excel, Google Sheets and LibreOffice, so the file behaves the same wherever you open it.
IFERRORSUMQuestions about the Rental Property Yield Analyser
What is the difference between gross and net yield?
Gross yield is annual rent divided by the purchase price. Net yield takes running costs off first, so it reflects what the property actually earns.
What is cash-on-cash return?
Annual net profit divided by the cash you put in: deposit, stamp duty, fees and refurbishment. It measures the return on your own money rather than on the property's price.
How are empty periods included?
You set the number of void weeks you expect each year, and the template turns that into a monthly allowance based on the rent.
