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The costs behind the headline.
Separate rent collected from operating profit, including realistic reserves for periods without tenants and repairs.
PORTUGAL · RENTAL PROPERTY CASH-FLOW ANALYSIS
Before you buy, understand the cash flow.
Already found an apartment you might rent out? LUSALTA is being developed to analyse its projected income, expenses, financing and downside — in plain English.
Your chosen propertyWritten financial scenariosNo property sales or commissions
One property. Better questions.
Independent modelling, not mediation.
Independent modelling, not mediation.
You find the property. We model what owning and renting it might actually cost.
Read the boundariesTHE PROBLEM WE HELP YOU UNDERSTAND
Headline yield is not money in your account.
For 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.
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When financing changes the answer.
Translate mortgage amount, rate and term into debt service. See how higher rates affect cash remaining.
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How fragile is the outcome?
Compare a base case with lower rent, longer vacancy and higher costs. Identify the assumptions you need to verify.
ONE FOCUSED SERVICE
The Rental Cash-Flow Review.
A defined modelling exercise for one customer-selected Portuguese rental property, not a mandate to find or negotiate property.
YOU PROVIDE
A property already on your shortlist.
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.
PROPOSED DELIVERABLE
An understandable financial breakdown.
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.
TEST THE ASSUMPTIONS YOURSELF
A property can look profitable on paper.
Our free calculator shows how easily gross yield can diverge from actual projected cash flow.
HYPOTHETICAL MODEL
€300,000 apartment
€1,450 monthly rent
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 modelGROSS YIELD ≠ CASH FLOW
5.8%headline annual rental yieldBASE · PER MONTH−€4
STRESS · PER MONTH−€442
Hypothetical figures, before income tax. Inputs and exclusions disclosed in the calculator.
A SERVICE WITH DELIBERATE LIMITS
We're not here to sell you a property.
No agent introductions, seller contacts, property scouting, transaction negotiation or commissions. If you need those services, engage an appropriately authorised professional.
Choose a property yourself
LUSALTA does not locate, shortlist or introduce properties.
Document the scenarios
We analyse user-supplied inputs and disclose the modelling assumptions.
Make your own purchase decision
Verification and transaction advice remain with appropriately qualified specialists.
A CLEARER VIEW OF ONE PROPERTY
See what the numbers reveal.
Review the scope, methodology and illustrative deliverable before considering an enquiry. This service is not yet available for purchase.