Investment Properties

Buying real estate is one of the most timeless means of investment but it is not enough to simply buy a property. You need a strategy.

Investment properties can offer steady income, tax benefits, and long-term capital gains. But before taking the first step, key factors must be considered by the prospective buyer.

Defining Investment Objective

First, it must be clarified:

1. Is the goal steady income (e.g. rent)?
2. Future added value (resale)?
3. Or using it for tourism exploitation (Airbnb, short-term rentals)?

Performance & Depreciation Analysis

Calculate key metrics:

1. Net yield (%)
2. Payback period
3. Annual expenses (maintenance, taxes, management)

A “cheap” property does not mean a good investment - what matters is the risk/return ratio.

The most critical factor is location

The trio 'Location – Location – Location' remains fundamental.
Search:

1. Emerging areas
2. Neighborhoods with steady demand (students, professionals, tourists)
3. Access to public transport, schools, shopping areas

A property with a strategic location can generate multiple returns in the future.

Legal & tax issues

Real estate investment requires compliance with:

1. Land registry, urban planning and notarial checks
2. Understanding Tax Obligations (ENFIA, presumptions, income tax)
3. If it’s for Airbnb, check the current legal regulations

Collaboration with a specialized accountant or legal advisor is essential for these matters.

Property Management: In-house or Professional

Proper management ensures:

1. Reliable tenants
2. Immediate problem resolution
3. Better maintenance & resale value

It can be done:

1. Internally (if there is time & experience)
2. Or via professional property management with CRM and automations

Financing & loans

Consider:

1. Special mortgage loans for investors
2. Deposit percentages
3. Interest rates, subsidies & EU programs (e.g., ESPA)

Choose a financing plan that doesn’t impact your investment's performance.

Conclusion

Investing in real estate can offer excellent opportunities—but only when done methodically, analytically, and professionally.
The right strategy starts with an understanding of the key parameters and the use of tools that facilitate decision‑making.

1. Smart recording and evaluation of investment properties
2. Performance projections
3. Historical data and reminder automations