Worthic’s Real Estate workspace brings financial and operational property data together so you can assess value, profitability, liquidity and rental activity. Portfolio-level metrics appear on the Overview tab, while property-specific cashflow, occupancy and operating trends appear after selecting a property.
Portfolio value and linked liabilities
Total portfolio value is the combined value of all properties in the workspace. Worthic uses linked real-estate asset accounts and their latest recorded values.
Linked liabilities are the combined mortgages and other property debt linked to those properties. Deposit ledgers are not treated as property financing.
Together, these figures provide the basis for understanding portfolio scale, leverage and invested equity.
Portfolio ROI
Portfolio return on investment (ROI) measures the return generated from both property operations and recorded capital growth over the last 12 months.
Worthic calculates it as:
(Last-12-month operating profit + recorded capital growth) ÷ recorded cost base × 100
Operating profit is rental income less commissions, other direct rental costs and operating expenses. Capital growth is taken from appreciation or depreciation adjustments recorded against the linked property asset account during the period.
ROI is useful for assessing the combined effect of rental operations and changes in property value. The overview percentage can be expanded to see a property-by-property breakdown.
Cash-on-cash return
Cash-on-cash return measures the cash generated relative to the owner’s equity invested in the property portfolio.
Worthic calculates it as:
Last-12-month net cashflow ÷ (property value − linked liabilities) × 100
Net cashflow includes rental income and cash expenses, including interest, loan principal repayments and capital expenditure. Because it focuses on cash movement and equity, it is particularly useful for evaluating liquidity and the cash efficiency of leveraged properties.
Rental yield
Rental yield measures operating rental performance relative to property value.
Worthic calculates it as:
Last-12-month operating profit ÷ property value × 100
Operating profit includes rental income less commissions, other direct costs and operating expenses. It excludes financing interest, loan principal and capital expenditure. Rental yield therefore helps compare the underlying rental performance of properties without allowing their financing structure to dominate the result.
Monthly cashflow metrics
After selecting a property, the Monthly cashflow summary shows:
- Gross rental income: rental income recorded for the selected month.
- Net rental income: gross rental income less commissions and other direct rental costs.
- Operating income: net rental income less property operating expenses.
- Net cashflow: operating income less interest, loan principal repayments and capital expenditure.
The month selector lets you review prior periods. The Profit vs cashflow chart illustrates why operating performance and available cash can differ: principal repayments and capital expenditure reduce cashflow but are not ordinary operating expenses.
The Cashflow summary chart provides a monthly breakdown of rental income, commissions, direct costs, operating expenses, interest, principal, capital expenditure and net cashflow. The Overview tab also shows a 12-month net-cashflow chart across the portfolio.
Occupancy and average nightly rate
For short-term rentals, Worthic charts monthly occupancy and average nightly rate over the last 12 months.
Occupancy is calculated as:
Occupied unit-nights ÷ available unit-nights × 100
For multi-unit properties, available nights reflect the number of active units. Owner stays count as occupied nights because the property was unavailable to guests.
Average nightly rate is the rental revenue attributable to guest bookings divided by paid guest nights. Worthic uses linked rental-income transactions where available, otherwise the booking’s recorded income. Owner stays are excluded from the nightly-rate calculation.
For long-term rentals, Worthic shows monthly occupancy without the nightly-rate line.
Reports available from the Report Centre
Open the relevant workspace, select Real Estate, choose a property, and use its Report Centre. Select a report type and period, then choose Generate report. Use View previous to reopen earlier reports.
Available reports include:
- Monthly cashflow statement: A detailed monthly view of rental income, operating costs, finance payments, capital expenditure and net cashflow.
- Annual P&L: The property’s profit and loss statement for a completed financial year. It excludes loan principal and capital expenditure and is available only for completed financial years.
- Occupancy report: Monthly occupancy, available and occupied nights, booking volumes and average-rate information for the selected period. It can be generated for recent months or completed financial years.
- Assets & Depreciation: The property’s asset register and depreciation information for the selected reporting period.
- Guest List: Guest and booking information for a selected period. This report is available for short-term rentals; it is not shown for long-term-rental properties.
- Expense Account Statement: Transactions and running balances from the property’s managing agent expense account for the selected date range.
- Deposit Account Statement: Activity and balances for the guest or tenant deposit ledger. Where supported, the statement can be filtered to a specific guest or tenant.
- Cost base report: The property’s current tax-supporting capital cost-base records. This is intended to support capital-gains records and is separate from annual profit and loss and monthly cashflow reporting.
These metrics and reports answer different questions. Use ROI and rental yield to evaluate performance, cash-on-cash return and monthly cashflow to assess liquidity, occupancy and nightly rate to understand rental operations, and the annual P&L for completed-year accounting and tax-supporting analysis.