Investment Yield & Cashflow
Plug in the numbers for your rental property – purchase price, monthly rent, loan and running costs – and we’ll show you in plain English if the investment is likely to put cash in your pocket or drain it.
Investment Yield & Cashflow
1. Property & rent (monthly)
Tell us what you’re buying and what you expect to collect in rent each month.
2. Loan & interest rates
Add your loan amount and compare fixed vs variable rate cashflow side by side.
3. Annual running costs
Rough yearly costs to hold the property (excluding interest).
4. Quick investor checklist
Tick these off mentally as you go – or talk to us and we’ll walk you through it.
- Do the rental numbers (after vacancy) make sense for this area?
- Have you allowed for rates, insurance, maintenance and management?
- Are you comfortable with repayments at a higher variable rate?
- Is there a buffer in your personal budget if rent drops or rates rise?
Next steps & related tools
Investment property yield & cashflow – common Fiji questions
Use these as a starting point when comparing investment properties in Fiji. Every investor’s situation is different, so we’ll always personalise the numbers when you reach out.
What is gross rental yield and how do I calculate it?
Gross rental yield is your annual rent before costs, divided by the purchase price, shown as a percentage. For example, if you buy for FJ$800,000 and collect FJ$3,500 per month in rent (FJ$42,000 per year), your gross yield is about 5.3%. This calculator works that out for you using your purchase price and monthly rent.
What is net rental yield and why does it matter more?
Net yield looks at what is left after running costs like rates, insurance, management fees and basic maintenance (but before tax and interest). It gives you a clearer idea of how hard the property is actually working for you. A high gross yield with very high costs can still be a weak net performer – this tool helps you compare both.
Why do you use monthly rent instead of weekly rent?
Many Fijian investors think in monthly cashflow because loan repayments, bills and salaries are often monthly. Using monthly rent makes it easier to compare “rent in” vs “loan out” and see very quickly whether the property is likely to be cashflow positive or negative each month.
How does the calculator compare fixed and variable interest rates?
We estimate your monthly loan repayment using the amount, interest rate and term you enter, then subtract that from your net rent after costs. You see your estimated monthly cashflow at your fixed rate and at your variable rate side by side. That gives you a simple stress-test: “If rates move to here, can I still comfortably hold this property?”
Does this include tax, body corporate fees or big renovation costs?
No – this tool is meant as a clear, quick yield and cashflow guide. It doesn’t include tax positions, depreciation schedules, body corporate levies or major capital works. When you share your results with Flagship, we can layer in those items and work with your accountant and preferred lenders to build a more complete picture.
What should I do after using this investment yield calculator?
Once you’re happy with a scenario, download the summary, note any concerns (for example, “cashflow is tight if rates go over 7%”), and send it to us through the contact page. We’ll check real lender rates and policies in Fiji, compare different loan structures, and help you decide whether to proceed, negotiate harder, or keep looking for a stronger deal.