AMAZING SPACIOUS VILLA IN THE HEART OF UMALAS

AMAZING SPACIOUS VILLA IN THE HEART OF UMALAS

Bali, Bali

$463k

Price

13.5%

ROI

5

Bedrooms

46%

Occupancy

5 Bathrooms
Ownership: leasehold
Land: 678
Build: 400
Est. Revenue: $100k/yr
Avg Nightly Rate: $595

Investment Analysis

Tucked away in the highly sought-after Umalas, this stunning 5-bedroom, 5.5-bathroom villa offers the perfect balance of modern charm and tropical elegance.

Propertia
Bali / Umalas - Bumbak

AMAZING SPACIOUS VILLA IN THE HEART OF UMALAS

Inventory
5 Beds
Bathrooms
5 Baths
Built Area
400 m²
Land Plot
678 m²
Tenure
Lease 14yr
Yield Curve Status

Grade B investment — short-term rental yields 15.0% net return annually.

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The Investment

Brixfox Score59
GradeB
Brixfox Intelligence
59BStrong
Score Breakdown
ROI & Yield65%
Capital Growth62%
Risk Profile61%
Market Demand59%

The Brixfox Score is our proprietary AI-powered rating that evaluates rental ROI, capital appreciation potential, risk factors, and local market dynamics to give you a single investment quality metric.

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Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+4.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
-10.1%
-$235K in 5yr (-51%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
15.0%
$5,775/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
6.7 yr
Rental only

Income Breakdown

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Nightly Rate (ADR)
$595/night
50% ($297)Brixfox estimate($595/night)200% ($1189)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$69,301
Airbnb data$595/night · 46% occupancy
Rental income
$595/night · 46% occ.
$100,159
Running costs (20%)
Utilities, cleaning, maintenance
-$20,032
Income tax (10%)
Indonesian rental income tax
-$10,016
Property tax
Annual property tax
-$810
Net income
15.0% ROI
$69,301

Long-Term Rental

Yearly income
$49,572
50 comps
Rental income
$7,258/mo
$69,678
Agency fee (10%)
Finder's fee per tenant
-$6,968
Vacancy (~8%)
1.5mo gap per tenancy
-$5,360
Income tax (10%)
Indonesian rental income tax
-$6,968
Property tax
Annual property tax
-$810
Net income
10.7% ROI
$49,572

Short-term rental earns 1.4x more but requires active management.

True all-in investment

What the headline asking price actually costs once mandatory taxes, fees, renovation, and furnishing are added. Yields rebased onto this number — closer to what you'll really earn against what you'll really pay.

Asking price$462,963
BPHTB (freehold transfer tax)$23,148
Notary & registration$1,800
Legal / due diligence$4,630
Total acquisition costs$29,578
Renovation (~$25/m², from finish level)
Estimated from finish level — luxury finish typically STR-ready.
$10,000
($0$20,000)
Furnishing & STR launch
5bd × $6,500 base + appliances, electronics, outdoor, licence, photography, linens.
$57,300
All-in investment$559,841

Gross yield (asking)

21.6%

True gross yield (all-in)

17.9%

Bali estimates assume freehold (Hak Milik) acquisition via PT PMA. Leasehold (Hak Sewa) deals have lower transfer costs (~1% vs 5% BPHTB). Renovation rates calibrated to Bali contractor pricing. Working capital not included.

Growth & Exit Strategy

How your investment grows over time

Leasehold with 14 years remaining.

$1.4M$1.0M$681K$340K$0Yr 0Yr 5Yr 10Purchase PriceIlliquid zoneUnsellableToday: $463KPeak Capital Value: NowPaid back2x Return
Leasehold value decline
Resale value of your property as the lease shortens. Drops steeply in the final years.
Rental income
Cumulative net rental earnings collected over time, growing with annual revenue increases.
Total return
Capital value + rental income. Your actual total position if you sold and kept all rent.
Paid back
Year 7: cumulative rental income has repaid the full purchase price.
Illiquid zone
Under 15 years remaining. Hard to sell — banks won't lend, fewer buyers, and steep discounts required.
Unsellable
Under 5 years remaining. Effectively worthless on the open market. No financing, no buyers.
Year 5
Capital Value
$228K
-51%
9 years remaining
Rental Income
+$368K
Total Position
$596K
+29%
5.2%/yr
Year 10
Capital Value
$62K
-87%
4 years remaining
Rental Income
+$794K
Total Position
$857K
+85%
6.3%/yr
Leasehold Alert
Only 14 years remaining — very difficult to resell. The best strategy is to maximise rental income and factor lease renewal (~$50–150K) into your ROI.

Location

Bali

Umalas - Bumbak, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
15.0% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$595 per night
Visual Appeal
Strong
9/10 instagrammability
Size & Space
Strong
678 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Average
14 years remaining on lease

Top Highlights

High rental yield at 15.0% — outperforms most villas in this market
Premium nightly rate of $595 — positioned in the top tier
Stunning visuals with 9/10 instagrammability — commands premium nightly rates

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 46% — factor in seasonal gaps

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
9.7%
$3,731/mo
40% occ.
13.0%
$4,998/mo
46% occ.
15.0%
$5,775/mo
current
56% occ.
18.3%
$7,041/mo

Lease Timeline

14 years remaining
Illiquid Zone

Only 14 years left — very difficult to resell. Consider maximizing rental income or negotiating a lease extension (~$50-150K).

ℹ️

Financing note: Banks generally do not finance leasehold properties, regardless of the remaining duration. Buyers must purchase with cash or alternative financing.

25+ yr: Safe
15-25yr: Caution
<15yr: Illiquid

Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Includes 10% Indonesian rental tax (PPh) and annual property tax (PBB). Market factors in Bali may impact actual yields.