
The Alcove at Mount Malarayat Residential Estates Golf and Country Club Lipa City, Batangas 644sqm Cul de sac lot Non-fairway Features and Amenities: -Exclusive Community -City-center location -27-hole all weather golf course -Country Club -1.5hr away only from Metro Manila Price: 23.8M + Other Charges of 6.5% Open House Discount of 100k Available Terms: 1. Outright Cash with 20% Disc 2. Outright 20% DP with 10% Disc on DP, Balance via Inhouse Financing 3. Deferred Payment 4. Promo Term: A. 5% Spot DP, 95% B. 10% Spot DP or upto 3 months, 90%Balance in 5 yrs at 0% interest C. Stretched DP - 15% DP in 24 months, 85% Balance Cash/Bank Fin
The property yields 5.13% but the loan costs 8%. Borrowing above the yield pulls cash flow down, which is normal for prime assets bought for location and long-term value rather than immediate income. Raise the down payment, lengthen the term, negotiate the price, or achieve a higher rent to close the gap. A cash purchase returns the full 5.13%.
Estimates only — for illustration, not financial advice. Adjust the inputs to model your own scenario.

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