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@fola Do you have evidence that rising outgoings decrease the relative supply of residential rentals? You've stated that a owner may either sell, redevelop or put up for short term rental. However, that does not necessarily mean a decrease in relative supply, as often the land will be...

@fola Or it gets sold to a first home buyer, reducing the demand for rental property, which then lowers market rent. Again, look at the comprehensive reserve bank report that is backed up with a lot of data.

@woodpecker Rent is not set by rates and insurance or the cost of maintenance. Rent is set by the market rate. Contrary to popular belief, the market rate has very little to do with landlord costs and is almost entirely set by demand for dwellings and wage inflation, as shown in this reserve...

@molllyrouse Sure, There are also other costs to be taken into account wrt housing such as increase risk in a single asset, insurance, risk of bad neighbours and flooding, and less ability to move and respond to better job offers in other cities/countries as easily. The tool is obviously not...

@lourocha that's a really nice one!

@jamesbates It depends on when you apply your historical data from and the opportunity cost of the stockmarket. I cannot predict what is going to happen with the economy, the housing market or the stockmarket. All i can do is compare current and expected costs based on historical data.

@jamesbates I still go to the supermarket with a budget every week even if I don't know what the price of eggplants will be in 1 year. All of this is unknowable, but people still need to have some way of running the numbers when they're making the biggest financial decision of their lives. This...

A few years ago there was a Canadian portfolio manager who put out a video discussing the actual unrecoverable costs of buying, accounting for generally ignored costs such as opportunity cost, maintenance costs and cost of capital. This was entitled "The 5% rule", and assumed that the mortgage...

@newhistoricalprotestant Hold on. Isn't it a tax on the 5%, rather than being 5% itself? I.e. you are taxed 0.28 x 0.05 (=1.4%) of the portfolio value?