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Computed example, not a property listing
Fictional mainland Aveiro scenario: purchase €250,000.00, tax value €150,000.00, gross monthly rent €1,400.00, financing 70%, annual interest 3.5%, term 30 years; holding period 10 years.
Tax resident, investment acquisition on 2026-09-12; no young-buyer relief; vacancy 5%, effective tax rate on net rental income 25%.
The base case produces €100 monthly operating cash flow in year one after costs, taxes and financing.
Under the downside assumptions, this becomes -€320. The changes are stress assumptions, not probabilities or market forecasts.
Gross rent required to break even on year-one operating cash flow is approximately €1,261 per month.
The modelled maximum offer is €197,731 for the stated targets. This is not a market valuation.
Rent, appreciation and interest are editable assumptions, not forecasts. The downside reduces rent by 10%, increases vacancy by 5 percentage points and interest by 2 points, reduces appreciation by 2 points and adds a €1,000 annual repairs allowance. See the complete assumptions in the interactive example.
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Educational estimates, not financial, legal, tax or investment advice. Methodology and sources