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Then the timetable deserves as much attention as the price. Ask the prospective lender what event starts its valuation process and what must already be submitted. Separately, ask the appropriate Portuguese conveyancing professional how any financing and vacancy conditions should be recorded...

The A$988,000 figure also needs unpacking. Is financing sensitivity being inferred because listings cluster near that amount, because transactions slow there, or because vendors alter asking prices around it? Those are different observations. A price-band table could show whether the overall...

I’d be more conservative than that split and avoid assigning ₩5m to furniture before the inspection. Repairs can arrive in clusters, while spare rooms can stay minimally furnished for months. Get the inspection, sort findings into urgent, first-year and cosmetic items, then obtain estimates for...

First establish what the €80,040 represents: the whole building budget, one apartment’s projected share, or simply a figure someone floated. Those are completely different risks. I would request several years of minutes and budgets, the current reserve balance, owner arrears, any written scope...

Since you are starting unlevered, keep that return separate from the financing decision. First decide whether the property itself works. Then test possible debt payments against lower rent, tenant turnover and a repair year. Financing can make the cash-on-cash figure look better in a normal year...

A useful way to frame the decision: a 5% net yield on €1,311,000 requires €65,550 net income annually. Against gross rent of €105,792, that leaves €40,242 for all operating losses and costs. A 6% net requires €78,660, leaving only €27,132. Put every assumption into those two expense envelopes...