Strategy Builder
Turn your Budget Coach snapshot into clear buying guardrails before you look at specific properties. General education only.
Step 1
Budget Coach
Step 2
Strategy Builder
Step 3
Portfolio Planner
Step 4
Deal Analysis
Finish these fields before continuing: Target passive income per year, Modelled year / time horizon, Tax basis
Missing
Missing
Missing
Missing
Missing
Values stay editable after import. Override fields become Manual assumption; mark uncertain fields Needs review. Flags: missingBudgetSnapshot.
Advanced coach proof
Understanding Required net yield
Definition: Required net yield is an educational scenario input used to test whether a portfolio pathway is plausible, not a forecast or recommendation. Calculation/use: it can affect acquisition cadence, modelled value, leverage, sell/keep outcomes, debt payoff, and passive-income comparisons. Common pitfalls: treating growth, yield, lending, tax, or sale assumptions as guaranteed; hiding missing Budget handoff evidence; or using a sell/keep hypothesis as advice. Review questions: ask a broker about lending/equity assumptions and an accountant about CGT, ownership, entity, and sale-timing assumptions before acting. Current local context: target missing, modelled year missing, validation incomplete, passive-income result $48,023, target gap -$48,023, budget snapshot missing.
Local onlyI 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 an accountant for tax, CGT, deductibility, entity, ownership, or sale-timing questions. Local context only: target missing, modelled year missing, validation incomplete, passive-income result $48,023, target gap -$48,023, budget snapshot missing.
Professional reviewModelled value
$5,330,154
Debt-free kept value
$1,200,584
Passive income
$48,023
Advanced acquisition table
| Property | Year | Deposit | Modelled value | Decision |
|---|---|---|---|---|
| 1 | 1 | $65,000 | $1,463,925 | Sell |
| 2 | 3 | $70,000 | $1,377,006 | Sell |
| 3 | 5 | $75,000 | $1,288,640 | Sell |
| 4 | 7 | $80,000 | $1,200,584 | Keep |
conservative
$40,738
Gap: Missing
base
$48,023
Gap: Missing
optimistic
$54,933
Gap: Missing
Price band
$650,000–$850,000
Manual assumption
Purchase cadence
18 months
Manual assumption
Yield constraint
4.0%
Manual assumption
Owner/entity
Needs broker/accountant review
Needs review
Advanced / technical export
{
"schemaVersion": 1,
"handoffType": "proptrack-strategy-to-portfolio-budgeting",
"generatedAt": "2026-04-27T14:18:09.569Z",
"scenarioId": "strategy-shell-draft",
"status": "draft-incomplete",
"targetPriceBands": {
"low": 650000,
"high": 850000,
"source": "manual"
},
"depositOrEquityTargets": [
{
"property": 1,
"purchaseYear": 1,
"deposit": 65000,
"source": "manual"
},
{
"property": 2,
"purchaseYear": 3,
"deposit": 70000,
"source": "manual"
},
{
"property": 3,
"purchaseYear": 5,
"deposit": 75000,
"source": "manual"
},
{
"property": 4,
"purchaseYear": 7,
"deposit": 80000,
"source": "manual"
}
],
"purchaseCadence": {
"months": 18,
"source": "manual"
},
"yieldCashflowConstraints": {
"requiredNetYield": 0.04,
"annualCashflowBuffer": 0,
"source": "manual"
},
"ownerEntityPlaceholder": {
"value": "Needs broker/accountant review",
"source": "needs-review"
},
"sellKeepHypothesis": {
"value": "Sell selected growth assets and keep debt-free income assets if debt payoff test passes.",
"source": "manual"
},
"importedBudgetSnapshotReference": {
"source": "none",
"budgetId": null,
"generatedAt": null,
"monthlySurplus": null,
"annualContribution": null,
"currentSavings": null,
"depositVelocity": null,
"emergencyFundGap": null,
"readinessBand": null,
"readinessBandLabel": null,
"confidence": "missing",
"incompleteSectionFlags": {
"missingBudgetSnapshot": true
},
"sourceByField": {
"monthlySurplus": "missing",
"annualContribution": "missing",
"currentSavings": "missing",
"depositVelocity": "missing",
"emergencyFundGap": "missing",
"readinessBand": "missing",
"readinessBandLabel": "missing",
"confidence": "missing"
}
},
"scenarioAssumptions": {
"modelledYear": 13,
"transactionCostPercent": 0.06,
"sellingCostBufferPercent": 0.02,
"cgtDiscount": 0.5,
"commercialDevelopmentReturn": 0.1,
"remainingDebtInterestRate": 0.06
},
"brokerAccountantQuestions": [
"Can a broker validate borrowing capacity and deposit/equity assumptions for this purchase cadence?",
"Can an accountant validate CGT, ownership, entity, and sell/keep assumptions before any action?",
"Which Portfolio Budgeting constraints should be stress-tested before Deal Analyser?"
],
"missingOrReviewFlags": [
"Missing goal: Target passive income per year",
"Missing goal: Modelled year / time horizon",
"Missing goal: Tax basis",
"Budget snapshot flag: missingBudgetSnapshot",
"Budget assumption monthlySurplus: missing",
"Budget assumption annualContribution: missing",
"Budget assumption currentSavings: missing",
"Budget assumption depositVelocity: missing",
"Budget assumption emergencyFundGap: missing",
"Budget assumption readinessBand: missing",
"Budget assumption readinessBandLabel: missing",
"Budget assumption confidence: missing",
"Budget snapshot missing"
]
}