The sample definition is the missing piece. Does “country homes” cover one consistent part of greater Brisbane, and is A$1,748,000 the sample’s typical asking price or merely the band where financing sensitivity was noticed? A change in price-band or property-type mix could produce both the...
How firm is the NZ$3,981 rent estimate? Is it based on comparable signed tenancies in the same building, or an asking figure? With a 1-bed, even a modest rent miss plus turnover costs could matter more than tweaking the repair reserve.
The cleanest comparison may be three buckets: costs you control, costs others influence, and costs caused by vacancy or resale. The house puts more maintenance in the first bucket; the villa may put more in the second. Tenant fit and location drive much of the third. Once the title details...