How to read these numbers: In the Philippines, gross yields of 5–7% are typical for residential rentals; 8%+ is excellent. Net yield is what really matters — it accounts for vacancy and all expenses. Cash-on-cash return measures how fast your invested cash is recovered through rental cash flow. This calculator does not factor in property appreciation, mortgage interest, or income tax on rentals (5–32% depending on bracket). Always consult Catherine before purchasing an investment property.