Could your property handle a downside scenario?
Explore why rent, vacancy, repairs and rates should be tested together.
Test the cash shortfall, not just the average return.
Higher interest, a vacant month and an unexpected repair can arrive in the same year. A scenario that works only under optimistic assumptions leaves little room for error.
The full decision report compares downside, base and upside assumptions using the same engine. These are sensitivity scenarios, not probabilities or forecasts. A maximum-offer calculation answers what price meets your own targets within the modeled constraints.
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%.
Money left per month in the downside scenario: -€319.54
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.
The free tools are simplified starting points. The full calculator lets you adjust costs, financing, taxes and timing, then compare scenarios for a more detailed analysis. Open the calculator
Educational estimates, not financial, legal, tax or investment advice. Methodology and sources