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That’s the part I haven’t modelled clearly enough. I treated the amount as “cash left after closing” rather than assigning every first-month outgoing to it. The inspection findings are also still an unknown. I think I need separate columns for unavoidable costs, possible repairs and things that...

I’m considering a 5-bed country home around ₹60,960,000 in Bengaluru. After the deposit and estimated closing costs, I would have roughly ₹2,338,000 left. That still has to cover moving, any immediate inspection findings, furniture and the ordinary surprises of the first year. I also don’t want...