I know there is no 100% perfect answer and I know 6% is considered to be fairly cash flow neutral. I will explain what I am trying to do and it should give you an insight into why I need it. I have built a tool that calculates all costs and payments and will plot it against what I electively pay as a monthly payment. I have worked out that I need a yield of 4.85% for a bunch of properties to effectively not cost me any more than I currently pay. So is 4.85% considered to be a fairly easy yield to attract across IP purchases or do I need to lower my figures a bit to get a more realistic number? Keep in mind, this is purely theory at this point and I know it can swing far based on suburbs and demographics and purchase price, for price I am running projections on 3+ br in the 400K price area.