Investment property

Each rental can have its own value, growth assumptions, linked mortgage, and rental income with start and end dates. Toggle sell events to show capital release, lost rent, and net effect on retirement — side by side with alternate plans.

Portfolio overview

Investment property sits in the same simulation as KiwiSaver, portfolios, and personal debt. See equity build, repayments, and net rental contribution to household cashflow year by year.

Sell-asset timeline events stop linked rental income automatically in the sale month — no manual cleanup.

The guided Buy investment property flow captures purchase date, price, deposit, bank loan (rate, term), and calculated repayments with the mortgage auto-linked to the asset.

Add rental income is separate ongoing income with date bounds. Multiple purchases, lump-sum paydowns, and hold-vs-sell comparisons are supported through plans, versions, or scenario sandbox.

Adviser tip: Clients with personal debt often structure investment debt as interest-only — model the IO period and post-IO repayments explicitly.