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๐ Property Summary ๐กโจ
๐ Location: Dehiwala (Seaside), 100m to Marine Drive ๐๐
Dehiwala-Mount Lavinia
๐ก Land: 13 Perches ๐ฟ
๐ข House: Two-storey, newly renovated ๐๏ธโจ
๐ Rooms: 9 Rooms + Prayer Room ๐๏ธ๐
๐ฟ Bathrooms: 4 + Servants Bathroom ๐ฟ๐
๐ Parking: 4โ5 vehicles (4 confirmed comfortably) ๐๐
๐ฃ Road Access: 20 ft road ๐ฃ๏ธ๐
๐ Distance to Marine Drive: ~100m ๐๐๏ธ
๐ฐ Price: 105 Million LKR (Negotiable) ๐ฐ๐ค
๐ฏ Purpose: Rental income / corporate use / office conversion ๐ข๐ผ
๐ผ Suggested Investment Positioning ๐๐ฅ
๐ข Corporate office space (NGO / IT / consulting firms) ๐ป๐
โ๏ธ Lawyers chambers / professional office setup โ๏ธ๐
๐ High-end rental rooms / serviced accommodation ๐ ๐
๐ผ Co-working or mixed commercial use ๐งโ๐ผ๐ข
๐ฐ Rental Income Reality Check ๐๐ก
๐ฐ You mentioned: 700,000 LKR per month income ๐ต๐
โ Annual income: 700,000 ร 12 = 8.4 Million LKR/year ๐๐ฐ
โ Yield on 105M property โ 8% gross return ๐๐ฅ
๐ This is realistic BUT only if proper management is done ๐ง ๐ข
โ ๏ธ Important Reality Factors ๐จ๐
๐ Occupancy risk: Must ensure continuous tenants ๐๐
๐ข Either room-by-room renting OR corporate lease needed ๐ผ๐
๐ Market in Dehiwala supports 400K โ 900K corporate rent range ๐ฐ๐
๐ Parking advantage supports law firms / NGOs / offices ๐โ๏ธ
๐ Honest Investment Verdict ๐ง โ๏ธ
โ Prime location near Marine Drive ๐๐
โ Strong structure for office conversion ๐๏ธ๐ข
โ 50 ft frontage advantage ๐๐ฅ
โ High demand rental zone ๐ผ๐
๐ฐ ROI MODEL (850,000 TARGET) ๐๐ฅ
๐ฏ Target rental income: 850,000 / month ๐ต๐
๐ Annual income: 850,000 ร 12 = 10,200,000 LKR ๐ฐ๐
๐ ROI calculation: 10.2M รท 105M ร 100 = 9.7% ROI ๐๐ฅ
โ Strong commercial ROI in Colombo suburbs ๐๏ธ๐ฐ
โ High demand Marine Drive corridor ๐๐
โ Capital appreciation + income asset ๐๐ก
๐ฆ BANK LOAN STRUCTURE ๐ฆ๐ณ
๐ณ Property value: 105M LKR ๐ฐ
๐ Loan ratio: 70% ๐ฆ
๐ฐ Loan amount: 73.5M LKR ๐ต
๐ Interest rate: ~14% ๐
๐ Tenure: 20 years ๐
๐ EMI (MONTHLY PAYMENT) ๐ณ๐
๐ฐ Estimated EMI range: 900,000 โ 1,050,000 LKR/month ๐๐ต
โ๏ธ CASHFLOW ANALYSIS ๐ก๐
๐ต Rental income: 850,000 LKR/month ๐ฐ
๐ณ Loan EMI: 900,000 โ 1,050,000 LKR/month ๐ฆ
๐ Monthly balance: -50,000 to -200,000 LKR ๐โ ๏ธ
๐ง KEY INVESTMENT MESSAGE ๐ก๐ฅ
๐ โThis is a Capital Growth + Income Hybrid Assetโ ๐ก๐
โ Generates 850K/month rental potential ๐ฐ๐
โ 9.7% ROI achievable ๐๐ฅ
โ Prime Marine Drive proximity ๐๐
โ Strong long-term appreciation potential ๐ก๐
๐ STRATEGIC OPTIONS FOR CLIENT ๐ผ๐ง
๐ฐ Option 1 โ Cash Buyer Model ๐ฆโ๏ธ
๐ No loan โ full 9.7% ROI ๐๐ฐ
๐ BEST investment scenario ๐ฅ
๐ฆ Option 2 โ 70% Bank Loan ๐๐ณ
๐ High leverage ๐
๐ Slight negative cashflow โ ๏ธ
๐ Long-term capital gain potential ๐
๐ก Option 3 โ Smart Investor Model (Recommended) ๐ง ๐ฅ
๐ 40%โ50% down payment ๐ฐ
๐ Loan reduced to 50โ60M ๐ฆ
๐ EMI: 650,000 โ 800,000 ๐
๐ CASHFLOW POSITIVE or BREAK-EVEN โ๏ธ
๐ โPremium Dehiwala Seaside Commercial Property with 850,000 LKR monthly rental potential, delivering up to 9.7% ROI with strong bank financing support and long-term capital appreciation.โ ๐๐ข๐
