The costs behind the headline.
Separate rent collected from operating profit, including realistic reserves for periods without tenants and repairs.
Already found an apartment you might rent out? LUSALTA is being developed to analyse its projected income, expenses, financing and downside — in plain English.
You find the property. We model what owning and renting it might actually cost.
Read the boundariesFor a newer investor, the difficult part is seldom dividing rent by price. It is working out what remains after vacancy, running costs, financing and unforeseen expenses — and how quickly it could change.
Separate rent collected from operating profit, including realistic reserves for periods without tenants and repairs.
Translate mortgage amount, rate and term into debt service. See how higher rates affect cash remaining.
Compare a base case with lower rent, longer vacancy and higher costs. Identify the assumptions you need to verify.
A defined modelling exercise for one customer-selected Portuguese rental property, not a mandate to find or negotiate property.
An address or listing you located independently, asking price, expected rent, your proposed financing and any known running costs.
Where evidence is missing, the assessment uses clearly identified assumptions rather than pretending those figures are verified.
Estimated cash invested, rental yield, income after operating costs, monthly cash flow and defined downside scenarios, with a transparent list of assumptions and exclusions.
No buy/sell instruction, appraisal, verified rental valuation or representation in the purchase.
Our free calculator shows how easily gross yield can diverge from actual projected cash flow.
This illustrative case has 5.8% gross yield and approximately break-even pre-tax cash flow with the stated financing and expenses. Small changes can turn that negative.
Explore the modelHypothetical figures, before income tax. Inputs and exclusions disclosed in the calculator.
No agent introductions, seller contacts, property scouting, transaction negotiation or commissions. If you need those services, engage an appropriately authorised professional.
LUSALTA does not locate, shortlist or introduce properties.
We analyse user-supplied inputs and disclose the modelling assumptions.
Verification and transaction advice remain with appropriately qualified specialists.
Review the scope, methodology and illustrative deliverable before considering an enquiry. This service is not yet available for purchase.