Palise Property
Long-Term Property Plan
Interactive commercial & residential portfolio projection. Adjust the assumptions and property timeline to model portfolio growth, cash flow and equity over 1–30 years.
Strategy tool
Long-Term Property Plan
Acquisition plan
Properties (1)
Auto-plan keeps your properties and adds more only when the war-chest covers the costs, lending stays within the LVR limit and annual cash flow does not fall. Edit a row or add a property to customise — a purchase the funds can't cover is flagged in orange below it.
Auto-plan cash-flow growth limit
The current plan already contains, or the next purchase would create, a fall in projected annual cash flow. Auto-plan will not add that purchase.
10-year outlook
Portfolio size
$2M
Yearly cash flow
$88,903
Total equity
$1.6M
Net debt
$330K
Blended LVR
70%
Properties
1
The cash reserve stays available for a future purchase and offsets loan interest in the meantime. Net debt reaches zero once that reserve covers all borrowing; confirm lending and tax treatment with the client's broker and accountant.
Portfolio growth
Value, equity & net debt
Year 10
$2M
Equity
$1.6M
Net debt
$330K
Cash flow over time
Net annual cash flow
Year 10 cash flow
$88,903
Accumulated cash flow
$520,034
Portfolio mix
How the plan is built
Value by property
Net equity vs net debt
Year-by-year breakdown
Every property, every year
| Year | Portfolio value | Cashflow | Cash reserve | Net debt | Properties |
|---|---|---|---|---|---|
| Year 1 | $1,500,000 | $21,750 | $41,750 | $1,008,250 | 1 |
| Year 2 | $1,545,000 | $27,164 | $88,914 | $961,086 | 1 |
| Year 3 | $1,591,350 | $33,010 | $141,924 | $908,076 | 1 |
| Year 4 | $1,639,091 | $39,321 | $298,608 | $848,755 | 1 |
| Year 5 | $1,688,263 | $46,127 | $364,735 | $782,629 | 1 |
| Year 6 | $1,738,911 | $53,464 | $438,198 | $709,165 | 1 |
| Year 7 | $1,791,078 | $61,369 | $625,959 | $627,796 | 1 |
| Year 8 | $1,844,811 | $69,882 | $715,841 | $537,914 | 1 |
| Year 9 | $1,900,155 | $79,045 | $814,886 | $438,869 | 1 |
| Year 10 | $1,957,160 | $88,903 | $1,040,046 | $329,966 | 1 |
| Property | Value | LVR | Gross loan | Equity | Rent | Cashflow | Accumulated | Growth equity |
|---|---|---|---|---|---|---|---|---|
| Year 1War-chest $41,750Cash reserve $41,750 · Net debt $1,008,250$20,000 contributions to date⊕ Acquired Property 1 | ||||||||
| Property 1 | $1,500,000 | 70% | $1,050,000 | $450,000 | $90,000 | $21,750 | $21,750 | $0 |
| Year 1 total | $1,500,000 | 70% | $1,050,000 | $491,750 | $90,000 | $21,750 | $21,750 | — |
| Year 2War-chest $118,164Cash reserve $88,914 · Net debt $961,086$40,000 contributions to date+$2,714 interest saved by offset | ||||||||
| Property 1 | $1,545,000 | 68% | $1,050,000 | $495,000 | $92,700 | $24,450 | $46,200 | $45,000 |
| Year 2 total | $1,545,000 | 68% | $1,050,000 | $583,914 | $92,700 | $27,164 | $48,914 | — |
| Year 3War-chest $201,302Cash reserve $141,924 · Net debt $908,076$60,000 contributions to date+$5,779 interest saved by offset | ||||||||
| Property 1 | $1,591,350 | 66% | $1,050,000 | $541,350 | $95,481 | $27,231 | $73,431 | $91,350 |
| Year 3 total | $1,591,350 | 66% | $1,050,000 | $683,274 | $95,481 | $33,010 | $81,924 | — |
| Year 4War-chest $298,608Cash reserve $298,608 · Net debt $848,755$80,000 contributions to date+$97,363 refinance proceeds+$15,554 interest saved by offset | ||||||||
| Property 1 | $1,639,091 | 70% | $1,147,363 | $491,727 | $98,345 | $23,767 | $97,198 | $139,091 |
| Year 4 total | $1,639,091 | 70% | $1,147,363 | $790,335 | $98,345 | $39,321 | $121,245 | — |
| Year 5War-chest $389,742Cash reserve $364,735 · Net debt $782,629$100,000 contributions to date+$19,410 interest saved by offset | ||||||||
| Property 1 | $1,688,263 | 68% | $1,147,363 | $540,900 | $101,296 | $26,717 | $123,915 | $188,263 |
| Year 5 total | $1,688,263 | 68% | $1,147,363 | $905,635 | $101,296 | $46,127 | $167,371 | — |
| Year 6War-chest $496,127Cash reserve $438,198 · Net debt $709,165$120,000 contributions to date+$23,708 interest saved by offset | ||||||||
| Property 1 | $1,738,911 | 66% | $1,147,363 | $591,548 | $104,335 | $29,756 | $153,671 | $238,911 |
| Year 6 total | $1,738,911 | 66% | $1,147,363 | $1,029,746 | $104,335 | $53,464 | $220,835 | — |
| Year 7War-chest $625,959Cash reserve $625,959 · Net debt $627,796$140,000 contributions to date+$106,391 refinance proceeds+$35,398 interest saved by offset | ||||||||
| Property 1 | $1,791,078 | 70% | $1,253,755 | $537,324 | $107,465 | $25,971 | $179,642 | $291,078 |
| Year 7 total | $1,791,078 | 70% | $1,253,755 | $1,163,282 | $107,465 | $61,369 | $282,204 | — |
| Year 8War-chest $736,213Cash reserve $715,841 · Net debt $537,914$160,000 contributions to date+$40,687 interest saved by offset | ||||||||
| Property 1 | $1,844,811 | 68% | $1,253,755 | $591,056 | $110,689 | $29,195 | $208,836 | $344,811 |
| Year 8 total | $1,844,811 | 68% | $1,253,755 | $1,306,897 | $110,689 | $69,882 | $352,086 | — |
| Year 9War-chest $871,232Cash reserve $814,886 · Net debt $438,869$180,000 contributions to date+$46,530 interest saved by offset | ||||||||
| Property 1 | $1,900,155 | 66% | $1,253,755 | $646,400 | $114,009 | $32,515 | $241,351 | $400,155 |
| Year 9 total | $1,900,155 | 66% | $1,253,755 | $1,461,286 | $114,009 | $79,045 | $431,131 | — |
| Year 10War-chest $1,040,046Cash reserve $1,040,046 · Net debt $329,966$200,000 contributions to date+$116,257 refinance proceeds+$60,524 interest saved by offset | ||||||||
| Property 1 | $1,957,160 | 70% | $1,370,012 | $587,148 | $117,430 | $28,379 | $269,730 | $457,160 |
| Year 10 total | $1,957,160 | 70% | $1,370,012 | $1,627,194 | $117,430 | $88,903 | $520,034 | — |
Property cashflow rows show rent less interest before applying the portfolio cash offset; each year total includes the offset saving shown in that year's header. War-chest — Total funding still available for the next purchase: cash reserve plus remaining usable equity capacity. Purchases, refinances and equity-funded deposits are reconciled once only. Growth equity — How much a property's value has grown above its purchase price. Accumulated — All yearly operating cash generated since the start. The cash reserve separately shows what remains after purchases.