The SVM is a net present model that demonstrates the funding gap between the cost of initial purchase/development and ongoing maintenance costs and the return from low rents for social housing.
Mae'r SVM yn fodel presennol net sy'n dangos y bwlch ariannu rhwng cost prynu/datblygu cychwynnol a chostau cynnal a chadw parhaus a'r enillion o renti isel ar gyfer tai cymdeithasol.