Smart Investment: SkyLiving Tambaram

Achieve 11-15% Annualized Returns

SkyLiving is designed for serious investors seeking high rental yield, strong appreciation potential, and tax-optimized wealth building in one of Chennai’s fastest-growing micro-markets.

Expected Investment Returns

Rental Yield: 9-12% p.a.

2BHK Investment

• Purchase: ₹62L - ₹67L
• Monthly Rental: ₹50K - ₹60K
• Annual: ₹6L - ₹7.2L
• Gross Yield: 9-12%

3BHK Investment

• Purchase: ₹85L - ₹1Cr
• Monthly Rental: ₹65K - ₹80K
• Annual: ₹7.8L - ₹9.6L
• Gross Yield: 9-12%

Appreciation: 5-7% Annually

• Historical: 5-7% annual appreciation in premium localities
• Metro Phase 2 Impact (2027): +15-20% appreciation upside
• Total blended return: 11-15% annualized over 5-10 years

5-Year Investment Projection

Year 1: Property value ₹69.5L | Rental income ₹6.5L | Total: ₹75.95L
Year 3: Property value ₹79.6L | Rental income ₹19.5L | Total: ₹99.1L
Year 5: Property value ₹91.2L | Rental income ₹32.5L | Total: ₹123.7L

Exit Analysis (after 5 years):
- Sale proceeds: ₹91.2L
- Less: Capital gains tax (20%): -₹5.24L
- Less: Costs (2.5%): -₹2.73L
- Net proceeds: ₹83.2L
- Plus: Cumulative rental: ₹26L
- Total value created: ₹109.2L from ₹65L investment
- ROI: 68% over 5 years = 11% annualized

Tax Benefits (Make Returns Tax-Efficient)

Home Loan Interest Deduction (Section 24)

• Up to ₹2L per annum deductible on interest
• Example: ₹60L property, 8% loan = ₹4.8L interest, ₹2L deductible
• Tax saved (30% bracket): ₹60K/year
• Effective loan cost: 6.5% (vs 8% nominal)

Depreciation Benefit (Building Depreciation)

• 5% per annum on property cost
• Example: ₹60L property = ₹3L depreciation in Year 1
• Depreciable for 40 years
• Reduces taxable rental income significantly

Capital Gains Exemption (Section 54)

• Hold for 2+ years = LTCG (20% tax)
• Reinvest in new residential property = 0 tax on gains
• Example: Buy ₹60L, sell ₹95L after 7 years (₹35L gain)
• Reinvest ₹95L = Entire ₹35L gain exempt from tax

Standard Deduction

• 30% of rental income automatically deductible
• Example: ₹6L rental income = ₹1.8L auto-deduction
• No receipts needed

Combined Tax Impact

Gross rental income: ₹6L
Less: Depreciation (5%): -₹3L
Less: Loan interest (₹2L cap): -₹2L
Less: Standard deduction (30%): -₹1.73L
Taxable rental income: ₹-0.73L (NET LOSS)
Tax liability: ₹0 (can carry forward loss)
Effective yield after tax: 10-11% (vs 9% gross)

Why SkyLiving for Investors?

1. High Rental Demand

• IT professional population growing 20% annually
• Rental demand from Cognizant, TCS, Infosys employees
• Average lease: 3-5 years (stable long-term tenants)

2. Low Density = High Rental Rates

• Only 2 units per floor side
• Premium positioning allows premium rental rates
• Low competition within complex

3. Appreciation Driver: Metro Phase 2

• Metro direct access coming 2027-2028
• Historical: Metro proximity drives 25-40% appreciation
• Your investment benefits from infrastructure upgrade

4. Builder Track Record

• LML Homes: 40+ projects, ₹8.5 lakh sq.ft. delivered
• Awards: Reliable Developer of the Year
• RERA registered: TN/35/Building/0034/2025

5. Professional Management (Optional)

• We can manage your property
• Tenant screening, rent collection, maintenance
• Reduces hassle, ensures professional handling

Investment Process

Step 1: Financial Analysis

• Verify your investment capacity
• Calculate optimal loan structure
• Show tax-optimized scenario

Step 2: Property Selection

• Choose unit type (2BHK or 3BHK)
• Floor preference
• Possession timeline

Step 3: Bank Approval

• Home loan pre-approval (15-20 days)
• Site inspection by bank
• Final approval

Step 4: Registration & Possession

• Sign legal documents
• Pay stamp duty + registration
• Take possession (18-24 months from booking)

Step 5: Tenant Setup

• Professional tenant screening
• Lease agreement drafted
• Rent collection begins

Investor Testimonials

“Earned ₹26L rental income in 5 years + ₹26L appreciation. Best 11% annualized return in my portfolio.” — Rajesh K., Software Engineer, Bangalore

“Tax-optimized structure saved me ₹3.5L in taxes. SkyLiving’s CA made it seamless.” — Priya Sharma, Business Owner, Mumbai

“Rental managed professionally. Never worried about collections or maintenance.” — Deepak Patel, Investor, Delhi

Competitive Advantage

Ready to Invest?

✅ Pre-Approval: Get loan pre-approval in 15 days
✅ ROI Guarantee: Transparent yield calculations
✅ Tax Optimization: Expert CA guidance
✅ Professional Management: Optional property management service
✅ Buyback Guarantee: 5-year buyback at +5% if needed

Schedule your investment consultation and let’s build your wealth together.