So you want to invest wisely and decide to get into the buy-to-let property market. Its simple really : find the right property, put down as small a down-payment as possible, get a tenant and charge enough rent to cover expenses. Wait a few years. You property is worth more, the bond is lower. You have built up equity. Simple and smart.
But wait! Things can go wrong. And sometimes they do. Here are just a few examples : your bank is reluctant to provide as big a bond as you want; your tenant fails to pay the rent; your property stands empty; your insurance or rates unexpectedly goes up; interest rates rise dramatically.
All these things can destroy all your careful planning. What seemed like a good investment at the time, is now under the waterline. What to do?
We can help identify problems before they exist. Allowing you peace of mind. Our interactive “what-if” calculator, allows to to play devils-advocate with your investment and identify problem areas such as cash-flow crunches before you invest.
How does it work? Lets say you have a 30-year bond at 10% interest per annum. We can highlight the exact outstanding cashflow in these examples and more:
* your tenant defaults in the 5’th year; refuses to leave and you have to spend money on legal fees.
* you win a substantial amount of the lotto and make a balloon payment in the 125’th month.
* interest rates spike for 3 months in 2029.
* things go well; when can you start accumulating a deposit for the next property?
For R499 a month, we can install our App onto your website which can be customised for any property calculation. Or, if you don’t have a website, you can subscribe to ours. To sample our unique software in action, get your details down on our mailing list.
In response to many queries, we have set up a demo site (http://accumaths.e-strategic.net/).
And finally, to find out more, get back to us. Of course. And don’t forget to add yourself to our mailing list to receive a chance to win your share of R10,000.
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