There is usually a small amount left over as monthly profit for the owner (positive cash flow), but the greater investment payoff comes from the tax shields afforded to the owner through the use of leverage or gearing. The resulting property is then sold after a period of equity-building, usually five years – the typical commercial mortgage term.
A small portion of profits remains as monthly income for the owner (positive cash flow), but a larger financial benefit accrues from tax advantages offered by leveraging or using debt. After about five years of building equity, this property is sold, consistent with standard commercial mortgage durations.