130 lines
3.7 KiB
YAML
130 lines
3.7 KiB
YAML
name: Property Investor
|
|
layer: additional
|
|
description: |
|
|
Rental property income and expenses tracking.
|
|
Includes negative gearing calculation and CGT cost base tracking.
|
|
|
|
categories:
|
|
- name: "Rental Income"
|
|
parent: null
|
|
description: "Rent received from investment properties"
|
|
|
|
- name: "Property:Interest"
|
|
parent: null
|
|
description: "Mortgage interest on investment loans"
|
|
|
|
- name: "Property:Rates & Strata"
|
|
parent: null
|
|
description: "Council rates and strata fees"
|
|
|
|
- name: "Property:Repairs & Maintenance"
|
|
parent: null
|
|
description: "Repairs and maintenance expenses"
|
|
|
|
- name: "Property:Property Management"
|
|
parent: null
|
|
description: "Property management fees"
|
|
|
|
- name: "Property:Insurance"
|
|
parent: null
|
|
description: "Landlord insurance premiums"
|
|
|
|
- name: "Property:Depreciation"
|
|
parent: null
|
|
description: "Depreciation (manual entry from schedule)"
|
|
|
|
rules:
|
|
- id: rental-income
|
|
pattern: "rent.*received|rental.*income|tenant.*payment"
|
|
category: "Rental Income"
|
|
confidence: high
|
|
labels: ["Property: {address}"]
|
|
description: "Detect rental income payments"
|
|
|
|
- id: property-loan-interest
|
|
pattern: "investment.*loan|property.*mortgage|loan.*interest"
|
|
category: "Property:Interest"
|
|
confidence: medium
|
|
labels: ["Tax Deductible", "Property: {address}"]
|
|
description: "Detect investment property loan interest"
|
|
|
|
- id: council-rates
|
|
pattern: "council.*rates|strata|body.*corporate"
|
|
category: "Property:Rates & Strata"
|
|
confidence: high
|
|
labels: ["Tax Deductible", "Property: {address}"]
|
|
description: "Detect rates and strata fees"
|
|
|
|
- id: property-repairs
|
|
pattern: "plumber|electrician|handyman|repairs.*property|maintenance.*rental"
|
|
category: "Property:Repairs & Maintenance"
|
|
confidence: medium
|
|
labels: ["Tax Deductible", "Property: {address}", "Repairs vs Improvements"]
|
|
description: "Detect repair and maintenance expenses"
|
|
|
|
- id: property-management-fee
|
|
pattern: "property.*management|real.*estate.*fee|letting.*fee"
|
|
category: "Property:Property Management"
|
|
confidence: high
|
|
labels: ["Tax Deductible", "Property: {address}"]
|
|
description: "Detect property management fees"
|
|
|
|
tax_tracking:
|
|
negative_gearing_calculation: true
|
|
cgt_cost_base_tracking: true
|
|
cgt_discount_eligible: true
|
|
cgt_discount_holding_period: 365
|
|
depreciation_schedule_tracking: true
|
|
|
|
alerts:
|
|
- type: rental_schedule_reminder
|
|
schedule: annual
|
|
before_date: "06-15"
|
|
message: "EOFY - prepare rental property income/expense schedule for tax return"
|
|
|
|
- type: cgt_event_reminder
|
|
trigger: property_sale_detected
|
|
message: "Property sale detected - calculate CGT on disposal"
|
|
|
|
- type: negative_gearing_summary
|
|
schedule: quarterly
|
|
message: "Quarterly negative gearing summary available"
|
|
|
|
labels:
|
|
- name: "Tax Deductible"
|
|
description: "Property expense claimable on tax return"
|
|
color: "green"
|
|
auto_apply: false
|
|
|
|
- name: "Negative Gearing"
|
|
description: "Deductible loss against other income"
|
|
color: "darkgreen"
|
|
auto_apply: false
|
|
|
|
- name: "Capital Improvement"
|
|
description: "Adds to CGT cost base (not immediately deductible)"
|
|
color: "gold"
|
|
auto_apply: false
|
|
|
|
- name: "Repairs vs Improvements"
|
|
description: "Requires classification for tax treatment"
|
|
color: "orange"
|
|
auto_apply: false
|
|
|
|
- name: "Property: {address}"
|
|
description: "Expense for property at {address}"
|
|
color: "brown"
|
|
auto_apply: false
|
|
requires_configuration: true
|
|
configuration_prompt: "Enter property address:"
|
|
|
|
dependencies:
|
|
requires: []
|
|
conflicts_with: []
|
|
|
|
metadata:
|
|
created: "2025-11-22"
|
|
version: "1.0.0"
|
|
author: "Agent Smith"
|
|
priority: 3
|