BytScore analysis
Enter apartment numbers and get a fast reality check: mortgage, cashflow, yield, fair price estimate, and risk flags.
Based on entered data, this deal looks weak. The price, yield, or cashflow does not look attractive.
This is a rough financial model based on entered data. It is not a professional valuation, mortgage advice, legal advice, or tax advice.
Monthly mortgage
25 184 Kč
Monthly cashflow
-7 684 Kč
Gross yield
4.80%
Net yield
3.50%
Price per m2
109 091 Kč
Loan amount
4 800 000 Kč
6 080 000 Kč - 6 720 000 Kč
Gap to target price: 0 Kč
Rough estimate based on target rental yield. This is not a market valuation.
Break-even rent
31 684 Kč
Price for neutral cashflow
4 169 324 Kč
Price for 4% net yield
5 250 000 Kč
Price for 5% net yield
4 200 000 Kč
Market-aware negotiation gap
1 830 676 Kč
No local price reference was found. This uses only entered rent and costs, so treat the rough reasonable price range 4 169 324 Kč - 4 169 324 Kč as an investment model target, not a market price.
How these targets are counted
- Break-even rent is monthly mortgage plus monthly fees plus the maintenance reserve.
- Price for neutral cashflow solves the purchase price where the entered rent covers mortgage, fees, and reserve with the entered down payment, rate, and duration.
- The 4% and 5% net-yield prices use annual net rent divided by the target yield, then subtract renovation cost.
- Without a local reference, the negotiation gap comes only from the rent, fees, mortgage, down payment, and renovation assumptions.
These are deterministic targets from the entered rent, fees, mortgage, down payment, renovation assumptions, detected layout, and available local price references. They are not a professional valuation or a substitute for sold comparable apartments.
Every point comes from the deterministic financial model. Caps keep negative-cashflow deals conservative.
Starting point
+50 ptsscore 50
Gross rental yield
+5 ptsscore 55
Net rental yield
+2 ptsscore 57
Monthly cashflow
-20 ptsscore 37
Renovation risk
0 ptsscore 37
New build / older property
-5 ptsscore 32
Ownership risk
0 ptsscore 32
Down payment / leverage
0 ptsscore 32
Final BytScore
32/100
How the score is counted
- The score starts at 50, then each rule adds or subtracts visible points.
- Gross yield uses annual rent divided by purchase price plus renovation. Net yield subtracts monthly fees and the maintenance reserve before annualizing rent.
- Monthly cashflow is rent minus mortgage, monthly fees, and maintenance reserve.
- Renovation, older property, cooperative ownership, and low down payment subtract points because they increase execution, legal, or leverage risk.
- Negative cashflow applies a conservative cap, so a weak cashflow deal cannot receive a very high score just because another metric looks good.
Open-data context for the selected location. This is not a valuation.
- Negative monthly cashflow after mortgage and estimated costs.
- Older property may have higher technical and repair risks.