Positive cash flow property — where rental income exceeds all holding costs including mortgage repayments — is rare in inner Melbourne but achievable in the middle ring and regional Victoria at 80% LVR with the current 4.10% RBA cash rate. GeeVee’s 2026 cash flow analysis models a standard investor scenario: 80% LVR, 6.2% interest rate (variable, June 2026), 10% property management fee, $3,000 annual maintenance, council rates and insurance.
Cash Flow Calculation Methodology
| Input | Assumption |
|---|---|
| LVR | 80% |
| Interest Rate | 6.20% variable (June 2026) |
| Loan Type | Interest only, 5 years |
| Property Management | 8.5% of rent |
| Maintenance | $3,000/year |
| Council Rates | $1,800/year |
| Insurance | $1,200/year |
Best Positive Cash Flow Suburbs in Victoria 2026
| Suburb | Unit Price | Weekly Rent | Annual Income | Annual Costs | Cash Flow |
|---|---|---|---|---|---|
| Bendigo (Golden Square) | $320,000 | $350 | $18,200 | $16,100 | +$2,100/yr |
| Ballarat (Alfredton) | $380,000 | $380 | $19,760 | $19,100 | +$660/yr |
| Fawkner | $440,000 | $398 | $20,696 | $21,960 | -$1,264/yr |
| Reservoir | $480,000 | $445 | $23,140 | $23,940 | -$800/yr |
| Clayton | $520,000 | $510 | $26,520 | $25,890 | +$630/yr |
| Preston | $520,000 | $400 | $20,800 | $25,890 | -$5,090/yr |
| Brunswick | $580,000 | $435 | $22,620 | $28,860 | -$6,240/yr |
FAQs — Best Cash Flow Suburbs Victoria
Can I find positive cash flow property in Melbourne in 2026?
Positive cash flow at 80% LVR is achievable in Clayton, Bendigo and Ballarat in 2026. Inner-Melbourne suburbs like Brunswick and Northcote are negatively geared at 80% LVR but become cash flow neutral or positive at lower LVRs (60-65%) or through SMSF structures without borrowing.
What is the best positive cash flow suburb in Victoria in 2026?
Bendigo Golden Square delivers the strongest positive cash flow: $2,100/year surplus at 80% LVR on an interest-only loan at 6.2%. Clayton is the best metropolitan Melbourne option: $630/year positive at 80% LVR, with 5.1% gross unit yield and Monash University driving rental demand.
Find Positive Cash Flow Properties Through GeeVee — Free
GeeVee models cash flow across every Victorian suburb in real time, including off-market opportunities not listed on REA or Domain. Join the Collings Property Platform free today.
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