Portfolio Planner

Portfolio Planner

Test a candidate property against your Strategy Builder guardrails before opening Deal Analysis. Keep review gaps visible; this is not approval to buy.

Why this step matters
Portfolio Planner checks whether a candidate property fits the guardrails you just set: cash required, rent range, yield, cashflow, ownership, stress, and operating dates.
Enter the candidate facts first, then use the review gaps to decide what evidence needs professional or broker review before Deal Analysis.
Guided handoff
Each step saves the assumptions the next step needs, so you can keep moving without re-entering the same facts.

Step 1

Budget Coach

Step 2

Strategy Builder

Step 3

Portfolio Planner

Step 4

Deal Analysis

Next:Complete candidate-property assumptions, then continue to Deal Analysis with gaps still visible.
Educational planning only. Keep assumptions visible and get professional advice before acting.
Property setup
Capture the candidate property, ownership bucket, purchase assumptions, and rent range before reading the outputs.
Strategy Builder guardrails
Imported guardrails remain editable so you can keep uncertainty visible rather than forcing a false-ready result.
manual
manual
manual
manual
manual
needs-review
manual
Advanced coach proof
Portfolio help proof
Local, source-aware explanation generated from the current planner draft.

Understanding Insurance renewal

Definition: Insurance renewal is a source-aware property-budget input used to calculate constraints and evidence gaps, not approval to buy. Where to source it: For insurance, source year built, replacement value, construction type, flood/bushfire context, and insurer quote assumptions. Common omissions: upfront transaction costs, capitalised-vs-upfront LMI treatment, vacancy, management/leasing fees, maintenance, due-diligence dates, and owner/entity review status. Why it matters: it can shift cash-to-complete, rent/yield, before-tax holdability, after-tax estimates, leverage, and Deal Analyser constraints. Current local context: candidate 7 Rosella Close, cash-to-complete $63,824, low/high yield 5.2% / 5.8%, before-tax cashflow -$2,395 / $205, active rollup properties 1.

Local only
Advice boundary proof
Shows how buying, lending, tax, depreciation, ownership, and property-specific questions are redirected.

I can’t answer that as personal regulated advice

I can explain the module mechanics in general terms, but that would be regulated advice here: I can’t tell you whether to buy or sell a specific asset, choose a loan/product, rely on lending approval/capacity, claim tax/depreciation/CGT treatment, use an ownership/legal structure, or make a property-specific investment decision. Route this to a mortgage broker for borrowing capacity, lender policy, loan structure, LMI, rate, or product questions. Local context only: candidate 7 Rosella Close, cash-to-complete $63,824, low/high yield 5.2% / 5.8%, before-tax cashflow -$2,395 / $205, active rollup properties 1.

Professional review
Financial summary
Cash required, yield range, and cashflow checks for the active candidate.

Cash-to-complete: $63,824

Low/high yield: 5.20% / 5.83%

Before-tax cashflow: -$2,395 / $205

After-tax estimate: $1,943 / $3,836

accountant-review-required

Before-tax weakness remains primary; do not rely on tax effects as the only holdability reason.

Business dashboard
Owner/entity rollups and review buckets stay visible.

Portfolio value: $410,000

Debt / equity: $366,440 / $43,560

Before-tax rollup: -$495

After-tax estimate: $3,136

Unassigned review bucket: 0

Excluded inactive/templates: 1

Rate stress
Apply a rate movement to see whether the cashflow still has room.

Rate: 4.00% → 5.00%

Interest delta: $3,664

High cashflow after stress: -$3,460

Operating dates and sources
Track renewal, lease, inspection, servicing, and source notes without changing the financial model.
Deal Analysis handoff
Continue with constraints, evidence gaps, and review flags intact.

Handoff status: constraints-only-not-approved-to-buy

Missing DD fields: 0

Evidence gaps: 2

Advanced / technical deal payload
{
  "schemaVersion": 1,
  "handoffType": "proptrack-portfolio-budget-to-deal-analyser",
  "generatedAt": "2026-04-27T14:18:09.511Z",
  "portfolioBudgetId": "portfolio-budget-shell-draft",
  "status": "constraints-only-not-approved-to-buy",
  "candidate": {
    "id": "candidate-1",
    "address": "7 Rosella Close",
    "active": true,
    "ownerEntityId": "owner-1"
  },
  "constraints": {
    "targetPurchasePriceLow": {
      "value": 350000,
      "source": "manual",
      "label": "Target purchase price low"
    },
    "targetPurchasePriceHigh": {
      "value": 650000,
      "source": "manual",
      "label": "Target purchase price high"
    },
    "requiredNetYield": {
      "value": 0.05,
      "source": "manual",
      "label": "Required net yield"
    },
    "annualCashflowBuffer": {
      "value": 0,
      "source": "manual",
      "label": "Annual cashflow buffer"
    },
    "purchaseCadenceMonths": {
      "value": 12,
      "source": "manual",
      "label": "Purchase cadence months"
    },
    "ownerEntityPlaceholder": {
      "value": "Accountant to confirm owner/entity",
      "source": "needs-review",
      "label": "Owner/entity placeholder"
    },
    "sellKeepHypothesis": {
      "value": "Hold unless strategy review says otherwise",
      "source": "manual",
      "label": "Sell/keep hypothesis"
    }
  },
  "importedStrategyScenarioId": null,
  "importedBudgetSnapshotReference": null,
  "cashToComplete": 63824.41,
  "rentYieldScenarios": {
    "annualLowRent": 21320,
    "annualHighRent": 23920,
    "yieldLow": 0.052,
    "yieldHigh": 0.05834146341463415
  },
  "beforeTaxCashflow": {
    "beforeTaxLow": -2395.489999999998,
    "beforeTaxHigh": 204.51000000000204
  },
  "estimatedAfterTaxCashflow": {
    "afterTaxLow": 1942.5713000000014,
    "afterTaxHigh": 3835.871300000001,
    "label": "accountant-review-required"
  },
  "rateStressedCashflow": -3459.8899999999994,
  "leverageImpact": {
    "loanPreLmi": 360800,
    "loanPostLmi": 366440,
    "deposit": 49200,
    "leverageRatio": 0.8937560975609756,
    "netValueWithOffset": 43560
  },
  "operatingDueDiligence": {
    "insuranceRenewalDate": "2026-10-01",
    "leaseExpiryDate": "2027-04-01",
    "inspectionDueDate": "2026-07-01",
    "termiteInspectionDueDate": "2027-01-15",
    "loanServicingReviewDate": "2026-08-01",
    "propertyManagerContact": "PM contact to confirm",
    "sourceNotes": "Fixture-style local assumptions; verify with contracts, PM, broker, accountant, and QS."
  },
  "missingDueDiligenceFields": [],
  "professionalReviewFlags": [
    "Broker review required for lending, LMI, leverage, and repayments.",
    "Accountant/QS review required for tax, depreciation, ownership, and deductions.",
    "Deal Analyser payload is constraints/evidence only; it is not approval to buy."
  ],
  "evidenceGaps": [
    "Owner/entity placeholder: needs-review",
    "Strategy handoff missing or not imported"
  ]
}
Payload preserves constraints and review flags without approving the purchase.

Local portfolio workspace ready.