{
    "name": "Property Portfolio Allocation Calculator",
    "url": "https://calculators.geekmidst.com/calculators/property-portfolio-allocation-calculator",
    "markdown": "https://calculators.geekmidst.com/calculators/property-portfolio-allocation-calculator.md",
    "category": "Real estate",
    "description": "List your properties with value, loan and net income to see each one’s share of value and equity, its LTV and return, and the portfolio totals.",
    "summary": "A property portfolio can look balanced by value but be concentrated by equity, or the other way round. This breaks each holding down by value, equity, leverage and return on the equity tied up in it.",
    "also_called": [
        "Real estate portfolio calculator",
        "Portfolio LTV calculator"
    ],
    "applies_to": "Worldwide",
    "last_updated": "2026-10-29",
    "computation": "Results are computed in the visitor’s browser on the HTML page. This API describes the calculator; it does not compute results.",
    "inputs": [
        {
            "name": "properties",
            "label": "Properties (one per line: value, loan, annual net income)",
            "type": "textarea",
            "default": "Flat A: 300,000, 180,000, 12,000\nHouse B: 500,000, 250,000, 20,000\nShop C: 200,000, 0, 14,000"
        },
        {
            "name": "currency",
            "label": "Currency",
            "type": "currency",
            "default": "USD"
        }
    ],
    "outputs": [
        {
            "key": "total_equity",
            "label": "Total equity",
            "format": "currency"
        },
        {
            "key": "total_value",
            "label": "Total value",
            "format": "currency"
        },
        {
            "key": "total_debt",
            "label": "Total loans",
            "format": "currency"
        },
        {
            "key": "portfolio_ltv",
            "label": "Portfolio LTV",
            "format": "percent"
        },
        {
            "key": "total_income",
            "label": "Total net income (per year)",
            "format": "currency"
        },
        {
            "key": "return_on_equity",
            "label": "Return on equity",
            "format": "percent"
        },
        {
            "key": "yield_on_value",
            "label": "Net income as % of value",
            "format": "percent"
        },
        {
            "key": "largest_share",
            "label": "Largest holding’s share of value",
            "format": "percent"
        },
        {
            "key": "largest_name",
            "label": "Largest holding",
            "format": "text"
        }
    ],
    "formula": {
        "text": "Equity = Value − Loan;  Share of value = Value ÷ Σ Value;  Share of equity = Equity ÷ Σ Equity;  LTV = Loan ÷ Value;  Return on equity = Net income ÷ Equity;  Portfolio LTV = Σ Loan ÷ Σ Value",
        "variables": {
            "Net income": "annual cash flow after all running costs and loan payments",
            "Equity": "the part of the value you own outright"
        }
    },
    "worked_example": {
        "inputs": {
            "properties": "Flat A: 300,000, 180,000, 12,000\nHouse B: 500,000, 250,000, 20,000\nShop C: 200,000, 0, 14,000",
            "currency": "USD"
        },
        "steps": [
            "Total value = 300,000 + 500,000 + 200,000 = $1,000,000; loans = $430,000.",
            "Equity = 1,000,000 − 430,000 = $570,000; LTV = 43%.",
            "Net income = $46,000, so return on equity = 46,000 ÷ 570,000 = 8.07%.",
            "House B is 500,000 ÷ 1,000,000 = 50% of the value."
        ],
        "result": "The portfolio holds $570,000 of equity at a 43% LTV and earns 8.07% on that equity; House B is half the value."
    },
    "interpretation": "Look for holdings with a large share of equity but a low return on equity: refinancing or selling those can free capital. A high share in one property or location is concentration risk.",
    "assumptions": [
        "Values are your current estimates and loans are outstanding balances.",
        "Net income is after running costs and loan payments."
    ],
    "limitations": [
        "Ignores capital growth, tax and transaction costs, which a full return measure would include.",
        "A property with zero or negative equity shows no return on equity."
    ],
    "rules": null,
    "faqs": [
        {
            "question": "Why look at equity share as well as value share?",
            "answer": "Value shows exposure to price moves; equity shows where your own money is tied up. A heavily mortgaged property can be a big share of value but a small share of equity."
        },
        {
            "question": "What is a good portfolio LTV?",
            "answer": "There is no single answer; lower LTV means more resilience to falling prices or rising rates, higher LTV means more leverage. Lenders often look at the portfolio as a whole for further borrowing."
        }
    ],
    "sources": [],
    "related": [
        {
            "name": "Loan-to-Value Calculator",
            "url": "https://calculators.geekmidst.com/calculators/loan-to-value-calculator"
        },
        {
            "name": "Debt Service Coverage Ratio Calculator",
            "url": "https://calculators.geekmidst.com/calculators/debt-service-coverage-ratio-calculator"
        },
        {
            "name": "ROI Calculator",
            "url": "https://calculators.geekmidst.com/calculators/roi-calculator"
        },
        {
            "name": "Percentage Calculator",
            "url": "https://calculators.geekmidst.com/calculators/percentage-calculator"
        }
    ],
    "disclaimer": "Returns are illustrations at a constant rate, not predictions or guarantees. Investments can lose value. This is not investment advice.",
    "publisher": "GM¹X CalcVerse"
}