Standalone scenario
Investment model
Change price, financing, occupancy and expenses. Gross yield, net yield and cash flow come from tested domain functions — not a slide in the browser. This is not a mortgage offer.
- Initial capital
- €138,600
- Mortgage payment
- €1,210.18/mo
- Operating cost
- €297.00/mo
- Gross yield
- 5.1%
- Net yield
- 0.1%
- Monthly cash flow
- €10.82
Modelled with occupancy and expense haircuts. Not a mortgage offer. Formulas live in @dwellsage/domain.
Gross is a headline
Asking rent × 12 ÷ price. Use it to rank cities, then haircut occupancy.
Purchase taxes
Each property page shows IMT for an own permanent home, other housing, IMT Jovem (age 35 or under, first home) and non-resident buyers (flat 7.5%, in force from 2026-05-25, a date inferred from Lei n.º 74/98 art. 2.º n.º 2 because DL 97/2026 states none), from the AT's 2026 tables and the Código do IMT, plus Imposto do Selo at 0.8%. Notary, registry and legal fees are not included.
AL is not assumed
Holiday-let licences are a condominium and municipal fact. The model does not invent one.