As much as you will generate an income from your investment property, in the first few years your costs will often outweigh the income generated. As an investor, you would be relying on capital growth to make up the difference, but as the capital growth is tied up in the property itself, you won’t be able to physically access it. Therefore, you will need to be contributing from your own cash flow to ensure the costs of holding the investment are met, even while the income (rent) being paid is insufficient by itself. Therefore, if your expenditure is already similar to your income, you may want to consider how you will fund your investment during the stages.