Kiinteistösijoituslaskuri: Arvioi vuokratulot & Bruttotuotto välittömästi
The Kiinteistösijoituslaskuri helps you quickly evaluate a property’s earning potential. Enter the purchase price, expected monthly rent, and property type to see monthly/annual rental income and gross rental yield—perfect for quick comparisons and first-pass due diligence.
1) Mitä laskuri tekee
This tool turns a few basic assumptions into an at-a-glance snapshot of potential returns. It annualizes the rent you expect to collect and compares it to the property price to produce a gross rental yield. Use it to shortlist deals, sanity-check asking prices, and benchmark properties across markets or property types.
2) Syötteet
| Syöte | Kuvaus |
|---|---|
| Kiinteistön hinta | Total purchase price of the property (including the amount you expect to pay at closing). |
| Kuukausivuokratulo | Your expected rent collected per month based on comps, current leases, or pro-forma assumptions. |
| Kiinteistön tyyppi | Select Single-Family, Multi-Family, or Apartment to align with your scenario. (Displayed for clarity; it does not change the math in this simple gross-yield version.) |
3) Kuinka se toimii (kaava)
The calculator applies straightforward arithmetic:
Annual Rental Income = Monthly Rental Income × 12
Gross Rental Yield (%) = (Annual Rental Income ÷ Property Price) × 100
Variables: Monthly Rental Income = expected rent per month; Annual Rental Income = yearly rent; Property Price = purchase price; Gross Rental Yield = income-to-price ratio before expenses.
4) Tulokset
| Tuloste | Mitä se tarkoittaa |
|---|---|
| Kuukausivuokratulo | Projected rent collected each month. Useful for cash-flow planning and mortgage coverage checks. |
| Annual Rental Income | Monthly rent annualized (rent × 12) to aid year‑over‑year comparisons. |
| Gross Rental Yield (%) | Annual income divided by purchase price. A fast, apples‑to‑apples way to compare properties and markets. |
5) Käytännön käyttötapaukset
- Deal screening: Rapidly rank listings by gross yield to focus due diligence on leaders.
- Price negotiations: Test how price changes affect yield and your target return thresholds.
- Market comparison: Compare neighborhoods or cities using the same rent/price logic.
- Portfolio planning: Check whether new purchases align with yield goals and cash‑flow needs.
- Lender conversations: Share clear income assumptions during pre‑approval and underwriting talks.
6) Usein kysytyt kysymykset
What is a “good” gross rental yield?
It depends on your market, risk tolerance, and financing costs. Many investors aim for a yield that comfortably exceeds their blended cost of capital and expected expenses. Use this tool for quick screening, then model net yield after expenses to make a decision.
What’s the difference between gross yield and net yield?
Gross yield ignores expenses. Net yield subtracts ongoing costs such as taxes, insurance, maintenance, HOA, utilities (if landlord‑paid), vacancy, property management, and financing. Net yield is better for profitability; gross yield is best for fast comparisons.
Does property type change the calculation?
In this simplified version, the math is the same for single‑family …
How should I estimate monthly rent?
Use recent comparable rentals, current leases, or third‑party rental estimates. Apply a vacancy/credit loss assumption in your separate underwriting if you move beyond gross yield.
Can I include mortgage payments and expenses?
This tool focuses on gross yield. For cash‑flow analysis, layer in mortgage principal & interest, taxes, insurance, HOA, maintenance, management fees, CapEx reserves, and vacancy to estimate net operating income and cash‑on‑cash return.
Is gross yield enough to make a buy decision?
No . Treat it as the first filter . If a property passes your gross‑yield hurdle , perform full due diligence including inspection , expense underwriting , financing terms , and local regulations.
in Finnish.
