Recent content by kian_rents

  1. K

    Santiago townhouse: how much cash flow before appreciation counts?

    A workable rule would be: require the base case to produce an acceptable return after debt service, vacancy and reserves, with appreciation set to zero. Then score employment, transport and likely resale liquidity separately as reasons to prefer one qualifying property over another. If the...
  2. K

    Santiago tenant preparing for a first condo purchase

    I’d be cautious about making advertised-versus-completed prices the first filter. Condo comparisons can become misleading if you have not accounted for condition, renovation needs, building expenses and management quality. I’d first define your budget and likely purchase timeline, then compare...
  3. K

    Mortgage quote in Chile: 7.40% fixed for 15 years — am I overthinking this?

    Ask each lender for the same figures in the same format: net amount borrowed, every upfront fee, required monthly payment, balance remaining at years 3, 5, 10 and 15, and the charge for full repayment at those points. For portability, clarify whether it transfers automatically or requires a...
  4. K

    Rent increase versus retaining a reliable tenant in Santiago

    When was the last adjustment, and does the lease already contain an indexation or rent-review clause? Those facts could determine both the amount and the process. I’d also look at the maintenance history: a tenant who reports problems promptly and avoids damage has financial value beyond...
  5. K

    Santiago property Q&A: pricing, finance and who handles what

    I would separate the price decision from the timetable. Comparable evidence may support an offer, but it does not establish what a lender will accept or how long financing will take. Before offering, identify which dates and conditions depend on financing rather than assuming they can be...
  6. K

    Santiago mixed-use listings: does the -0.9% movement mean anything yet?

    How are you handling condition? For mixed-use buildings, “needs work” can mean very different amounts and timing, and buyers dependent on financing may react differently from buyers with more flexibility. If the rougher properties sit longer, the fee issue may actually be a proxy for concern...
  7. K

    Santiago property meetup — January 2026: who’s interested?

    Also, would you consider remote access for the practical questions? It needn’t turn the whole gathering into a formal webinar. Even a short online segment could include people outside Santiago, although I appreciate that this may affect the venue and setup.
  8. K

    Santiago property meetup — January 2026: who’s interested?

    A weekend works better here. Do you plan to offer two or three possible dates before booking? January availability can vary quite a bit, so choosing the day solely from the evening-versus-weekend replies may still leave you with a misleading headcount.
  9. K

    Wanted: off-market 1-bedroom condo in Santiago, around 65 m²

    I’m looking for a one-bedroom condo in Santiago, roughly 65 m², with a maximum budget of CLP 549,900,000. Habitable condition is preferred, even if there is scope for gradual improvement. I’m open to owners or authorised representatives, including properties with limited market exposure. Please...
  10. K

    Tenant placement tools: what actually removes duplicate entry?

    My preferred outcome would be fewer handoffs without becoming trapped in one system. Consolidation may tidy the screens now, but it can make a later tool change expensive. A workable compromise is to require open integrations and clean exports even if most staff use one main interface. In the...
  11. K

    Several small repair requests from a reliable Warsaw tenant—group them or investigate?

    What were the actual requests, and were any repeats after a repair? A dripping tap, slow drain and damp patch could be connected; a loose handle and failed light fitting probably are not. Also check whether the condo association is responsible for any shared pipework before arranging work yourself.
  12. K

    Santiago country homes: is 107 days an early market shift?

    How many homes are in the group, and how tightly did you draw the neighbourhood boundaries? “Country homes” around Santiago can hide major differences in access, land, condition and buyer profile. I’d also want new-listing volume by month. Stable sales with fewer new listings would tell a...
  13. K

    Offering 10% below asking on a Santiago townhouse — reasonable after 67 days?

    Before choosing the number, can you find out whether the seller values price more than timing? “Flexible completion” only helps if it solves their problem. Their agent may indicate whether they need a quick close, extra time, or certainty. I would not waive inspection protection just to...
  14. K

    First-time buyer in Santiago: is CLP 37.6m enough cash after closing?

    I agree furniture should come last, but postponing everything can make the apartment needlessly difficult to live in. Make a short move-in list for sleep, lighting, food preparation and working from home if relevant. Price only that list now. Furnishing the second bedroom or choosing decorative...
  15. K

    June 2025 notes from Santiago: are new-build flats starting to shift?

    In June 2025 I tracked a narrow group of Santiago new-build flats asking CLP 379,800,000 to CLP 569,600,000 rather than relying on the citywide average. Their marketing period is roughly 119 days, but maintenance and condition seem to affect interest more than the monthly headline. Does this...
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