{ "events": [ { "timestamp": "2026-10-02T04:46:26.136839+00:00", "event": "job_started", "job_id": "20261002-044626-9-ronald-court-sunbury-vic-3429" }, { "timestamp": "2026-10-02T04:46:26.152690+00:00", "event": "uploads_saved", "files": [ "image13.jpg", "rp-data-cma.pdf", "rp-data-rental-cma.pdf" ] }, { "timestamp": "2026-10-02T04:46:26.571548+00:00", "event": "cma_filtered", "removed": [ 7 ], "original_pages": 7, "output_pages": 6 }, { "timestamp": "2026-10-02T04:46:30.309047+00:00", "event": "market_data_loaded", "suburb": "Sunbury" }, { "timestamp": "2026-10-02T04:46:48.824453+00:00", "event": "pack_assembled", "sections": 2 }, { "timestamp": "2026-10-02T04:46:48.824555+00:00", "event": "job_finished" } ], "form_fields": { "pack_type": "pr", "client_name": "Zubin & Meher Nariman", "property_address": "9 Ronald Court, Sunbury Vic 3429", "purchase_price": "690000", "agent_expected_price": "", "lvr": "80", "low_rent": "400", "high_rent": "500", "interest_rate": "7.7", "property_management_fee": "7.7", "buyers_agency_fee": "16000", "land_value": "499997", "state": "VIC", "property_type": "House", "bed_bath_car": "", "block_size": "", "house_size": "", "year_built": "", "planning_zone": "", "flood_zone": "No", "bushfire_zone": "No", "buying_brief": "", "why_we_like_it": "", "review_period": "Annual Review", "review_date": "October 2026", "purchase_date": "August 2025", "current_appraisal_price": "750000", "initial_rent": "495", "current_rent": "495", "vacancy_weeks": "4", "negative_gearing_benefits": "true", "rental_unit_1_name": "", "rental_unit_1_rent": "", "rental_unit_2_name": "", "rental_unit_2_rent": "", "property_manager_commentary": "First year of ownership had some significant maintenance issues ranging from plumbing to the ducted heating and several other things. The other major issue has been a nightmarish tenant who has caused a significant amount of complaints from neighbours. They'll be out this month and we can look forward to a fresh start. ", "strata": "0", "comments": "A challenging first year of ownership given the legislative headwinds that have damaged sentiment as well as the tenant and maintenance issues. With that said, sentiment is likely to improve given the underlying facts have not materially changed. Melbourne remains in a holding pattern until then. Overall, a respectable amount of growth has been achieved on this asset given the circumstances. ", "advisor_name": "Julian Khursigara", "advisor_phone": "0418 679 283", "advisor_letter": "It is hard to believe it has already been 14 months since we secured 9 Ronald Court together. What a first year it has been.\r\n\r\nThe headline result speaks for itself \u2014 your property has grown in value by an estimated $60,000 since settlement in August 2025, representing a 8.7% capital gain over 14 months. This provides a strong foundation for the next stage of your property strategy.\r\n\r\nThe property is currently earning $495 per week, in line with the rent achieved at purchase.\r\n\r\nThis report gives you a clear, honest picture of where your investment stands today \u2014 what it is worth, what it is earning, and what the market around it is doing. It also outlines how your equity position could support a conversation with your mortgage broker and the next purchase in your property journey.\r\n\r\nWe are proud of the result we have achieved together, and we look forward to helping you build on it. As always, we are just a call away.", "equity_commentary": "", "propportfolio_commentary": "", "scenario_commentary": "", "htag_suburb_report": null, "develo_report": null, "supporting_pdfs": [] }, "job_id": "20261002-044626-9-ronald-court-sunbury-vic-3429", "uploaded_files": [ "image13.jpg", "rp-data-cma.pdf", "rp-data-rental-cma.pdf" ], "cma_filter": { "filtering_applied": true, "original_page_count": 7, "output_page_count": 6, "removed_pages": [ 7 ], "warnings": [] }, "htag_source": { "source": "api", "provider": "HTAG", "status": "available", "loc_pid": "VIC2394", "suburb": "Sunbury", "state": "VIC", "postcode": "3429", "property_type": "house", "period_end": "2026-08-31T00:00:00+00:00" }, "property_performance_review": { "status": "included", "output_pdf": "outputs/property-performance-review.pdf", "page_count": 10, "sales_count": 4, "rentals_count": 3, "render_mode": "playwright", "cashflow": { "weekly_rent": "495.0", "vacancy_weeks": "4.0", "occupied_weeks": "48.0", "annual_potential_rent": "25740.0", "annual_vacancy_allowance": "1980.00", "annual_rent_after_vacancy": "23760.00", "modelled_loan_amount": "552000.00", "annual_interest": "42333.71898048607630788069288", "annual_principal": "4892.762934757259012766768464", "annual_debt_service": "47226.48191524333532064746134", "annual_management_fee": "1829.52000", "annual_council_rates": "2400", "annual_water_charges": "0", "annual_strata": "0.0", "annual_insurance": "2000", "annual_maintenance": "13800.000", "annual_land_tax": "1949.9910", "annual_operating_costs": "21979.51100", "annual_net_operating_income": "1780.48900", "annual_cashflow_after_debt": "-45445.99291524333532064746134", "weekly_cashflow_after_debt": "-873.9614022162179869355281027", "annual_tax_deductible_expenses": "50513.22998048607630788069288", "annual_taxable_rental_income": "-26753.22998048607630788069288", "annual_estimated_tax_benefit": "9898.695092779848233915856366", "annual_cashflow_after_tax": "-35547.29782246348708673160497", "weekly_cashflow_after_tax": "-683.6018812012209055140693263" }, "missing_inputs": [], "omitted_sections": [ "retirement-scenarios" ], "disclaimer_render_mode": "playwright" }, "pack": { "final_pdf": "outputs/final.pdf", "section_count": 2, "sections": [ { "name": "pr-review", "label": "Property Performance Review", "status": "included", "source": "outputs/property-performance-review.pdf" }, { "name": "supporting", "label": "Supporting Documents", "status": "skipped", "skip_reason": "not uploaded" }, { "name": "disclaimer", "label": "Disclaimer", "status": "included", "source": "outputs/disclaimer.pdf" } ] } }