Yield analysis
Calculated from your inputs (deterministic)
Gross yield: 5.60% (from your inputs).
Net yield: 4.40%.
Monthly cashflow (unlevered): EUR 1,210.
Payback (unlevered): 18.2 years.
Public example
Barcelona
62 m² · ask €340,000 · gross 5.6% / net 4.4% (inputs) · DVF and INSEE unavailable outside France.
Barcelona Eixample, Spain
Illustrative deal · Eixample · Apartment
Investment brief
AI qualitative take
Four layers: calculated yields from your inputs, sourced official market data (France), explicit projection assumptions, AI qualitative analysis.
Official French market feeds (DVF, INSEE, Carte des loyers) unavailable for Barcelona. No DVF gap or price-at-median figure.
Gross yield
5.6%
Price-to-rent
17.9x
Net yield
4.9%
Monthly cashflow
€1,400
Payback
20.2 yrs
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
€340,000
At DVF median
n/a
Gap
n/a
Sample confidence
No sample · n=0
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.
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% | 4.3% |
| Net-net | 0.1% | 0.1% | -1.8% |
| Monthly cashflow (levered) | €32 | €32 | -€287 |
| After 30% illustrative tax (30%) | €980 | €980 | €678 |
| 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: -€126Breaks (cashflow < 0)
- Rate +2 ppLevered cashflow: -€224Breaks (cashflow < 0)
- Vacancy +6 monthsLevered cashflow: €32Survives
- Works +15% on priceLevered cashflow: -€173Breaks (cashflow < 0)
- All shocks togetherLevered cashflow: -€625Breaks (cashflow < 0)
The combined shock turns levered cashflow negative. Reprice or pass.
After the brief: what to do next
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
Market assessment
Qualitative AI assessment (not a market measurement)
Qualitative only. Official French feeds (DVF, INSEE, Carte des loyers) do not cover Barcelona. No invented local market percentages.
10-YEAR PROJECTION
Assumptions (not market forecasts): rent growth 2.0%/yr; value growth 0.0%/yr.
Year 10 total ROI depends on those editable assumptions only.
Data sources
DVF / INSEE / Carte des loyers: unavailable (non-France address).
Analysis based on user inputs only. No invented market comps.
Risk assessment
Qualitative AI assessment (not a market measurement)
Tourist-licence / rental regulation: HIGH.
Community fees: MEDIUM.
Market intelligence
Qualitative AI assessment (not a market measurement)
Outside France: market intelligence is qualitative and input-based. Official comps are marked unavailable.
Strengths
Qualitative AI assessment (not a market measurement)
Tourist and long-let optionality
Central Eixample location quality (qualitative)
Analysis summary
Official French market feeds (DVF, INSEE, Carte des loyers) unavailable for Barcelona. No DVF gap or price-at-median figure.
Yields and cashflow above are calculated from stated inputs only.
Identified risks: tourist-licence / rental regulation; community fees.
Verify licence and fee schedule before any decision; any counsel remains yours.
Disclaimer
For informational purposes only. Not financial advice.
Deal details
LocationBarcelona Eixample, Spain
Purchase price€340,000
Size62 m²
Monthly rent€1580/mo
Monthly charges€180/mo
FinancingMortgage 70%
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