How to calculate the real yield of your rental property

Gross yield (annual rent / purchase price × 100) is the figure everyone cites. A property at €200,000 rented at €1,000/month shows a gross yield of 6%. Attractive on paper.

But net yield factors in actual expenses: property tax, non-recoverable co-ownership charges, landlord insurance, maintenance works, management fees, vacancy. After deductions, your 6% often drops to 3-4%.

Yield is a ratio. Cash-flow is the reality of your portfolio. It's the difference between what you collect (rent) and what you pay (loan + expenses + taxes) each month.

Positive cash-flow means your property is self-financing and generating money each month. Negative cash-flow means you're paying out of pocket. Timint calculates your cash-flow per property in real time, integrated directly into your global counter.

Timint includes 9 simulators dedicated to real estate: gross and net rental yield, borrowing capacity, loan simulation, capital gains, renovation budget, co-living profitability, projected rental expenses, and compared investment strategy.

Each simulator generates projections over 5 to 25 years with graphical visualization. Compare tax schemes (micro-foncier, standard, LMNP/LMP) and identify the optimal strategy for your situation.

Beyond simulation, Timint lets you manage your properties day to day. Add each property with its characteristics, track rents received, expenses, rental periods, and bookings.

Rental income automatically feeds your real-time counter. Visualize the breakdown of your income between professional activity and real estate investment. The module supports both long-term and seasonal rentals (Airbnb, Booking, direct).

The chosen tax scheme can vary your net yield by 30% or more. Micro-foncier (30% deduction), standard scheme (expense and interest deduction), LMNP (property depreciation): each option has its advantages depending on your profile.

Timint's tax evaluation simulator compares the different options and shows you the impact on your cash flow year by year. A well-timed scheme change can save you several thousand euros per year.