Recent content by inez.lark

I’d set aside the emergency fund first and treat it as unavailable for the house. Then reserve money for moving and any inspection items affecting water, electricity, security or habitability. Furniture would come last and could be spread over several months. A 4-bed place creates plenty of...

A simple stress test: if vacancy and rent leakage together consume 10% of the scheduled rent, effective rent falls to about €49,583 a year, roughly 6.45% of the purchase price before management, maintenance, insurance, tax and building costs. The cushion disappears faster than the 7.2% suggests.