17/10/2026, 12:56:00
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AI qualitative take
Four layers: calculated yields from your inputs, sourced official market data (France), explicit projection assumptions, AI qualitative analysis.
Pending full memo. Stated rent assumption €1,250/mo implies ~5.1% gross at ask €295,000.
Gross yield
5.1%
Price-to-rent
19.7x
Net yield
4.6%
Monthly cashflow
€1,140
Payback
21.6 yrs
Demo sample figures for the UI. Not a live DVF or INSEE extract.
DVF median sale price
€4,575/m²
Transactions (n)
9
DVF median change (available years)
n/a
Gap vs DVF median
+4%
Price at DVF median (calc.)
€283,654
INSEE vacancy
6.8% (INSEE)
Carte des loyers reference
20.20 €/m²/mo · gap 0%
Derived gross yield (DVF sale / ANIL asking rent)
5.3%
Derived price-to-rent (DVF sale / ANIL asking rent)
18.9x
Source: Demo sample. Licence Ouverte / Etalab attribution where applicable.
The height gap is the brand: how far your asking price sits from the DVF median for similar sales.
Close to the sourced median. Treat this as fairly priced on DVF, then stress the cashflow.
You pay
€295,000
At DVF median
€283,654
Gap
+4%
Sample confidence
Medium (n 8 to 19) · n=9
Offer language
Four lines you can send the agent. Sourced DVF gap only. Not a commitment.
Interest in Nantes: Île de Nantes at €295,000
Hello, I reviewed Nantes: Île de Nantes listed at €295,000.
The ask is at or below the sourced median (€283,654, n=9). I would keep €295,000 subject to visit.
Please confirm documents and a viewing slot.
I can send the one-page decision pack. This is not a commitment.
Optimistic ignores vacancy. Base uses INSEE vacancy when available. Pessimistic cuts rent 10%, lifts charges 20%, adds vacancy, and +1 pp on the rate if financed.
INSEE vacancy mapped to months: 0.8 mo/yr
| Optimistic | Base | Pessimistic | |
|---|---|---|---|
| Net yield | 4.6% | 4.6% | 4.0% |
| Net-net | -0.9% | -1.3% | -3.1% |
| Monthly cashflow (levered) | -€229 | -€229 | -€500 |
| After 30% illustrative tax (30%) | €798 | €739 | €510 |
| Vacancy used | 0.0 mo/yr | 0.8 mo/yr | 2.8 mo/yr |
The 30% line is a labeled haircut on unlevered net after vacancy. Not tax, IR, or LMNP advice.
Four named shocks, then all at once: rent −10%, rate +2 pp, +6 months vacancy, works +15% on price.
The combined shock turns levered cashflow negative. Reprice or pass.
The brief is a screen, not due diligence. Tick what you still need before an offer.
Documents to request
On the visit
Questions for the agent / notary
Calculated from your inputs (deterministic)
Qualitative AI assessment (not a market measurement)
Qualitative AI assessment (not a market measurement)
Qualitative AI assessment (not a market measurement)
Qualitative AI assessment (not a market measurement)