I'm currently turning a property into dual occupancy. With this comes an increase in rates and due to the location insurance is high (north qld). I'm expecting a >10% gross yield based on PM market appraisals. But property is only slightly positive cashflow due to the above. My question is would banks even know about the increase in rates and insurance when looking at the income it is producing. I.e does their lending calculators take this into account? Maybe when/if i present 2 leases for the one property it triggers something?