Decision pack
London Shoreditch, UK
Share the bank pack and offer language, not the full brief.
French official sources unavailable for London. No DVF gap or price-at-median figure.
Bank pack
What a lender can scan in 20 seconds. Not a credit opinion.
Monthly cashflow
-€370
Ask
€450,000
Sourced median
N/A
Gap
N/A
Financing
Mortgage 80%
Combined stress
Stress: breaks
Gross yield
5.9%
Price-to-rent
17.0x
Net yield
4.9%
Levered cashflow
-€370
Offer language
Four lines you can send the agent. Sourced DVF gap only. Not a commitment.
No DVF median for this location. Do not invent an offer price from this screen.
Your price vs the market median
The height gap is the brand: how far your asking price sits from the DVF median for similar sales.
No DVF median for this location. Yields below use your inputs only; do not invent a market price.
You pay
€450,000
At DVF median
n/a
Gap
n/a
Sample confidence
No sample · n=0
Gross yield lies: three operating cases
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: 0.0 mo/yr
| Optimistic | Base | Pessimistic | |
|---|---|---|---|
| Net yield | 4.9% | 4.9% | 4.2% |
| Net-net | -1.0% | -1.0% | -3.2% |
| Monthly cashflow (levered) | -€370 | -€370 | -€856 |
| After 30% illustrative tax (30%) | €1,295 | €1,295 | €861 |
| Vacancy used | 0.0 mo/yr | 0.0 mo/yr | 2.0 mo/yr |
The 30% line is a labeled haircut on unlevered net after vacancy. Not tax, IR, or LMNP advice.
Does this deal survive a bad year?
Four named shocks, then all at once: rent −10%, rate +2 pp, +6 months vacancy, works +15% on price.
- Rent −10%Levered cashflow: -€590Breaks (cashflow < 0)
- Rate +2 ppLevered cashflow: -€771Breaks (cashflow < 0)
- Vacancy +6 monthsLevered cashflow: -€370Breaks (cashflow < 0)
- Works +15% on priceLevered cashflow: -€703Breaks (cashflow < 0)
- All shocks togetherLevered cashflow: -€1,384Breaks (cashflow < 0)
The combined shock turns levered cashflow negative. Reprice or pass.
For informational purposes only. Not financial, tax, or investment advice. Yields are calculated from your inputs. Market comps use official DVF data when available; otherwise figures based on your inputs only. Always verify with licensed professionals before any decision.