Recent content by bram_saves

Is €2,279 the rent alone, or the tenant’s total monthly payment including building charges and utilities? Until that is separated, the yield calculation may be using revenue you never actually retain.

Is the villa furnished, partly furnished or empty? Please also clarify whether major appliances shown during a viewing would stay. With five bedrooms in 65 m², fitted furniture could make a substantial difference to usable space.

One final caution: don’t let the attractive light and location become a double adjustment. If the completed comparable is already on a similar street with similar orientation, those advantages may already be reflected in its price. Adjust only for differences you can actually identify.

For the next step, I’d request the floor plan, exact recurring charges, parking details, outdoor-space measurements, construction or refurbishment date, and the full particulars of the completed comparable. Then give the local appraiser the same comparison table so any disagreement is easy to...

One more stress test: ignore any forecast that rates will be lower at renewal. Check whether the payment is comfortable now, then model a higher payment after the five-year term using a range of rates rather than one optimistic refinance assumption. For the current offers, ask for the full...