The Pre-purchase (or Manual analysis) tool lets you simulate a purchase: you enter price, costs, financing, and rent, and Hostfolio estimates yields, cash flow, and sensitivity to key assumptions. Useful before making an offer or comparing several properties.
- In the sidebar: Pre-purchase or Manual analysis (depending on language).
You choose the rental type at the top:
- Long-term — Classic monthly rent. You enter monthly rent and occupancy rate (e.g. 95%).
- Short-term — e.g. Airbnb. You enter nightly rate, occupancy, average stay length, platform fee %, cleaning fee, and optional utilities. Hostfolio derives monthly/annual income and costs.
Defaults (e.g. occupancy, platform fee) can be changed in Configuration → General (default financing/occupancy).
- Property name — For your reference (e.g. “Rue du Marché 12”).
- Purchase price — Offer or asking price.
- Notary fees — As a percentage of purchase price or a fixed amount (toggle).
- Renovation costs — Fixed amount or % of purchase price.
- Financing
- Down payment % — Cash you put in; the rest is “mortgage”.
- Mortgage % — Often auto-filled as (100 − down payment %).
- Interest rate % — Used to compute annual interest (and thus net cash flow).
- Rent
- Long-term: Monthly rent and Occupancy rate %.
- Short-term: Nightly rate, Occupancy rate %, Average booking length (nights), Platform fee %, Cleaning fee (per stay), Utilities (monthly), etc.
- Charges — Recurring costs (maintenance, insurance, taxes, utilities). Enter as monthly or yearly (toggle).
- Tax — Marginal tax rate % (e.g. 40) so Hostfolio can estimate income tax on net profit.
- Total investment — Purchase + notary + renovation (and other costs if you entered them).
- Cash required — Total investment minus mortgage (your down payment + costs).
- Annual gross rent — From monthly rent × occupancy (long-term) or from nightly rate, occupancy, and short-term assumptions.
- Annual interest — Mortgage × interest rate.
- Annual charges — From your monthly or yearly entry.
- Net before tax — Gross rent − interest − charges (and platform/cleaning for short-term).
- Income tax — Estimated from net before tax and your marginal rate.
- Net after tax — Net before tax − income tax.
- Net yield (after tax) — Net after tax ÷ total investment.
- Verdict — A simple label (e.g. strong / moderate / break-even / negative) based on yield and cash flow.
Hostfolio can show sensitivity tables:
- Yield — How net yield changes when you vary e.g. interest rate (long-term) or nightly rate (short-term), and occupancy.
- Cash flow — Same idea for monthly or annual cash flow.
Use these to see how robust the deal is if rates go up or occupancy drops.
You can save the current scenario (all inputs) under a name and load it later. Handy to compare several properties or several financing options (e.g. 20% vs 30% down). Saved scenarios are stored locally (e.g. in the app’s data).
Default financing parameters (down payment %, interest rate, notary %, occupancy %, marginal tax rate) can be set in Configuration → General. When you start a new pre-purchase analysis, Hostfolio can pre-fill these so you don’t have to re-enter them every time.
- Be conservative — Use slightly higher interest, lower occupancy, or higher charges to stress-test the deal.
- Compare scenarios — Save “Property A – 20% down” and “Property A – 30% down” to see the impact on cash flow and yield.
- Short-term — Platform and cleaning costs matter a lot; adjust them to match your market (e.g. 15% platform fee, cleaning per stay).
Next: Export and Configuration.