Is this property a smart investment — or a financial trap?
PropertyIQ PH analyzes any Philippine property in 60 seconds. Get bank-grade affordability, ROI, cash flow, and risk scoring — powered by an AI insights engine that explains every number.
No signup needed. No credit card.
Everything you need to invest in PH real estate intelligently
From your first condo to a 10-property portfolio — PropertyIQ PH replaces guesswork with hard numbers.
Affordability Engine
Calculates monthly amortization, debt-to-income, and the income required to safely afford the property — using actual Philippine bank rules.
Investment Metrics
Cap rate, rental yield, cash-on-cash return, NOI, break-even timeline, and 10-year cash flow projections.
Risk Analysis
Detects overleveraging, vacancy risk, interest sensitivity, and emergency-fund insufficiency before you sign.
AI Insights
Plain-language explanations like 'this property consumes 58% of your income' — built to teach, not intimidate.
Portfolio Tracking
Premium users monitor multiple properties, rental income, expenses, equity growth, and net worth in one dashboard.
Property Comparison
Compare condo vs house, Airbnb vs long-term rental, pre-selling vs RFO, and rent vs buy side by side.
A command center for your real estate portfolio
Track every property, loan, rental income stream, and expense in one place. See your equity grow, your debt shrink, and your passive income compound.
- Total portfolio value & net worth
- Monthly cash flow across all properties
- Loan payoff progress per property
- Occupancy & rental yield tracking
- 10-year equity projection charts
One verdict. Zero ambiguity.
Every property gets a clear classification so you know exactly where it stands.
Strong cash flow, low risk, beats market alternatives.
Solid fundamentals with minor risks to monitor.
Workable but requires discipline — read insights carefully.
Significant exposure. Renegotiate or reconsider.
Walk away. This will damage your finances.
Common questions
Is PropertyIQ PH free to use?+
Yes. The full risk calculator, affordability analysis, and AI insights are 100% free with no signup required. Premium unlocks portfolio tracking and advanced tools.
Are the calculations accurate for Philippine banks?+
We model the standard amortization formulas used by BPI, BDO, Security Bank, Pag-IBIG, and most major Philippine lenders, plus the 30% housing-cost rule that banks apply to underwriting.
Do you store my financial information?+
Calculations run entirely in your browser unless you create an account to save them. We never sell or share data.
I'm an OFW. Can I use this from abroad?+
Absolutely. PropertyIQ PH was built specifically with OFWs in mind — currency conversion, remittance-based affordability, and Pag-IBIG OFW programs are all supported.
Is this financial advice?+
No. PropertyIQ PH is an educational tool. For personalized advice, consult a licensed financial advisor or real estate broker.