Plain English
Guru shows you equity, yields, cap rate and cash flow because they are the numbers that decide whether a property is worth owning. You should not need a finance degree to read them, so here is each one in the words you would actually use.
tracked value
Guru's current figure for the property. Where a full scan report exists this is its estimate; otherwise it is the asking price the listing carried, and the card always says which. It is re-worked every month as the area moves. It is not a valuation, and no bank or court will accept it as one.
equity
What the property is worth today, less what you still owe on it. The part of the value that is actually yours rather than the bank's. It grows two ways at once: every repayment shrinks the bond, and any rise in value adds to your side.
equity share
Your equity as a share of what the property is worth. The rest is the bank's. A home bought with a 10% deposit starts near 10% and climbs from there.
loan-to-value
Your outstanding bond as a percentage of what the property is worth, so it is the mirror of your equity share. Lower is safer, and it is the first number a bank looks at: most South African lenders keep their best rates for borrowers under 80%.
capital growth
Today's value less what you paid for it. Paper gains: they are real only when you sell, and before the costs of selling, so treat this as a direction rather than a cheque.
growth per year
How much this property's value has moved a year, worked out from the value points Guru has recorded for it. A short history makes it jumpy, so read it alongside the area line beside it.
bills covered
How much of this property's monthly bond and running costs the rent covers. 100% is break-even: below it you are topping the property up each month, above it the property pays for itself.
break-even rent
What this property has to earn each month to cover its bond and every running cost exactly. It is the number to hold a new lease against, and the one to check before you drop an asking rent to fill a vacancy.
monthly cash flow
The rent, less the bond repayment and every running cost. Green means the property pays you. Red means you top it up, which is not automatically a bad deal while the value is climbing, but it is a number you should never be surprised by.
gross yield
A full year of rent as a percentage of what the property is worth, before rates, levies, insurance or upkeep. It is quick to compare across properties, but it flatters every one of them equally, so never decide on it alone.
net yield
Gross yield with rates, levies, insurance and maintenance taken off. This is the honest one: it is what the property genuinely returns, and the fair number to hold against what the same money would earn sitting in the bank.
cap rate
What the property would return to somebody paying cash, ignoring your bond entirely. Investors use it to compare buildings without financing getting in the way. If you have no bond it lands close to net yield, so it earns its keep mainly when you are weighing one property against another.
rate stress test
Your bond repayment and what is left over, worked out at rates above and below today's. South African prime has moved by two points inside a year more than once, so the point is to know the answer before the bank sends the letter.
equity projection
Your bond paid down month by month at the rate on record, while the value grows at the area's own recent rate. Both assumptions are printed on the card. It is arithmetic on your numbers, not a forecast, and it cannot know what the market will actually do.
portfolio value
Every property you own added together, at Guru's current figure for each.
total equity
Your equity in every property added together: the whole portfolio's value, less every bond still owing on it.
blended net yield
The net yield of the whole portfolio, weighted by value so a large property counts for more than a small one. One number for how hard your money is working, rather than an average that a cheap flat could flatter.
days on market
Days since the date you recorded it as listed. Buyers read a long listing as a signal in itself, which is why a price review usually follows a quiet stretch.
asking price
The price you are advertising it at. Guru keeps every change to it, so the price history tells the story of the campaign.
It depends on what the property is for, and the honest answer is that most people only need two or three of these.
Every number here is arithmetic on figures the property already carries: Guru's value estimate, the bond and costs you have entered, and observed prices for the suburb. None of it is generated by a language model, and where a figure rests on an estimate rather than something you told us, the app says so on the number itself.
None of it is a valuation. RealTeasy is not a registered valuer, and these figures are for your own decision-making, not for a bank, an estate or a court. How Guru avoids invented numbers and where our data comes from both go further.
