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StrongFirst home buyerOwn-use scoreDraft onlyManual rent - manual

Example Ostrava 2+1

Nadrazni 123, OstravaOstrava

Based on entered data, this deal looks strong. Legal, technical, and mortgage checks are still required.

This is a rough financial model based on entered data. It is not a professional valuation, mortgage advice, legal advice, or tax advice.

Purchase price

2 700 000 Kč

Monthly owner cost

16 424 Kč

Cashflow

-1 424 Kč

Price per m2

46 552 Kč / m2

Decision summary

A compact read of the score, stress scenarios, input confidence, and next checks.

Rough model

Base score

90/100

Bad-case score

90/100

Optimistic score

90/100

Input confidence

weak - 45%

Most sensitive assumption

Mortgage rate

0 points, stressed score 90/100

-1 883 Kč monthly cashflow

Top next checks

  • For a first home buyer, keep a monthly reserve after mortgage, fees, and repairs.
  • Reduce or seller-credit about 62 500 Kč of renovation risk after contractor quotes. Do not assume this until verified.
  • Review SVJ/HOA documents, planned repairs, ownership structure, and building debt.

Based on entered data, this deal looks Strong. Based on entered data, this deal looks strong. Legal, technical, and mortgage checks are still required. This is still a rough model, not a valuation.

Input confidence
Weak confidenceEdit inputs

Mark which assumptions have been checked. This does not change BytScore; it shows how much trust to put in the inputs.

Confidence

45%

Several critical assumptions are missing or weak.

0 of 8 checked manually

1 critical assumption(s) are missing. Treat the score as provisional until they are checked.

  • Rent assumption

    Confirm with signed rent history or at least three comparable active or recent rentals.

    Manual

    Current value

    15 000 Kč - Manual rent - manual input

    Entered manually and should be checked before relying on the report.

  • Monthly fees

    Verify HOA/SVJ fees, repair fund, utilities, and planned increases.

    Manual

    Current value

    3 800 Kč

    Entered manually and should be checked before relying on the report.

    Edit fees

  • Renovation budget

    Support the budget with scope, contractor quotes, and a contingency reserve.

    Manual

    Current value

    250 000 Kč

    Entered manually and should be checked before relying on the report.

    Edit renovation

  • Ownership type

    Check the ownership extract, cooperative rules, liens, easements, and mortgage limits.

    Missing

    Current value

    Unknown / verify

    Missing or too weak to rely on.

    Edit ownership

  • Address and entrance

    Confirm the exact address, entrance, floor, unit, and cadastral match.

    Manual

    Current value

    Nadrazni 123, Ostrava

    Entered manually and should be checked before relying on the report.

    Edit location

  • Map coordinates

    Confirm the pin points to the building entrance or parcel, not only the city center.

    Manual

    Current value

    49.839100, 18.286400

    Entered manually and should be checked before relying on the report.

    Edit location

  • Detected local area

    Check whether the detected district or cadastre really matches the apartment and market context.

    Model-based

    Current value

    Ostrava

    Supported by BytScore context, but still not a signed contract or professional valuation.

    Edit location

  • New-build status

    Verify whether the apartment is a new build, older building, or renovated older stock.

    Manual

    Current value

    No

    Entered manually and should be checked before relying on the report.

    Edit new-build
Key numbers

Area in m2

58 m2

Gross yield

6.10%

Net yield

3.74%

Rental score

51/100

Fair price estimate

3 562 500 Kč - 3 937 500 Kč

Gap to target price

0 Kč

Financing

Monthly mortgage

10 624 Kč

Monthly owner cost

16 424 Kč

Cashflow

-1 424 Kč

Loan amount

2 025 000 Kč

Down payment

675 000 Kč

Down payment %

25%

What would make this deal reasonable?

Break-even rent

16 424 Kč

Price for neutral cashflow

2 337 998 Kč

Price for 4% net yield

2 510 000 Kč

Price for 5% net yield

1 958 000 Kč

Market-aware negotiation gap

No clear gap shown by this target

Local reference for Ostrava broad fallback, adjusted for 2+1 is about 56 500 Kč/m2, giving a rough market price band of 3 100 000 Kč - 3 450 000 Kč. The asking price is -17.6% versus that reference. The rent-only financial target is 1 958 000 Kč - 2 337 998 Kč, so verify real sold comps before negotiating.

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.
  • The negotiation gap uses the detected local area and layout reference first, then shows the rent-only financial target as a second check.

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.

Scenario builder
Deterministic

Stress-test the apartment with bad, normal, and optimistic assumptions for rent, mortgage rate, fees, vacancy, and renovation cost.

Bad case

Lower rent, higher rate, higher fees, vacancy, and renovation overrun.

90

Strong

Monthly cashflow-5 602 Kč
Effective rent12 650 Kč
Owner cost18 252 Kč
Net yield2.51%
Score change0
Cashflow change-4 178 Kč

3/5/10/20-year value outlook

Rough scenario using the selected annual value growth and scenario cashflow.

-1% / year

3y

Value2 619 807 Kč
With cashflow-331 865 Kč

5y

Value2 567 673 Kč
With cashflow-518 447 Kč

10y

Value2 441 832 Kč
With cashflow-980 408 Kč

20y

Value2 208 349 Kč
With cashflow-1 886 131 Kč
Value growth
-1%
Rent
-8%
Mortgage rate
+1 pp
Fees
+15%
Renovation
+20%
Vacancy
1 mo/year
Adjust assumptionsOpen
Normal case

Entered numbers with a small vacancy reserve.

90

Strong

Monthly cashflow-2 049 Kč
Effective rent14 375 Kč
Owner cost16 424 Kč
Net yield3.49%
Score change0
Cashflow change-625 Kč

3/5/10/20-year value outlook

Rough scenario using the selected annual value growth and scenario cashflow.

+2.5% / year

3y

Value2 907 605 Kč
With cashflow+133 841 Kč

5y

Value3 054 802 Kč
With cashflow+231 862 Kč

10y

Value3 456 228 Kč
With cashflow+510 348 Kč

20y

Value4 424 264 Kč
With cashflow+1 232 504 Kč
Value growth
+2.5%
Rent
0%
Mortgage rate
0 pp
Fees
0%
Renovation
0%
Vacancy
0,5 mo/year
Adjust assumptionsOpen
Optimistic case

Slightly better rent, lower rate pressure, lower fees, and cleaner renovation.

90

Strong

Monthly cashflow-0 Kč
Effective rent15 750 Kč
Owner cost15 750 Kč
Net yield4.16%
Score change0
Cashflow change+1 424 Kč

3/5/10/20-year value outlook

Rough scenario using the selected annual value growth and scenario cashflow.

+4.5% / year

3y

Value3 081 149 Kč
With cashflow+381 149 Kč

5y

Value3 364 691 Kč
With cashflow+664 691 Kč

10y

Value4 193 017 Kč
With cashflow+1 493 017 Kč

20y

Value6 511 628 Kč
With cashflow+3 811 628 Kč
Value growth
+4.5%
Rent
+5%
Mortgage rate
-0,4 pp
Fees
-5%
Renovation
-10%
Vacancy
0 mo/year
Adjust assumptionsOpen

These scenarios are rough stress tests based on entered data. They are not forecasts, valuations, or proof that a deal should be bought.

Rent verification

Add three comparable rented apartments or signed rents. BytScore uses the median as a sanity check and marks rent verified only after three complete comps.

Current rent assumption

15 000 Kč

Rent source

Manual rent - manual input

Median comparable rent

Needs comps

Difference vs assumption

Needs comps

Median rent per m2

Needs comps

Verification status

3 more complete comp(s) needed

Comparable 1

Comparable 2

Comparable 3

Rent is still provisional. Complete all three comps before relying on the score.

Viewing and document checklist
Deterministic

Practical checks generated from the buyer profile and model risk flags. They increase confidence in the inputs; they do not replace legal, technical, mortgage, or tax advice.

Viewing checklist

Questions and observations to verify at the apartment or with the broker.

  1. Verify exact address and entrance

    High impact

    Compare the listing address, entrance, floor, unit, and coordinates with the cadastral record and map.

  2. Inspect the building condition

    Medium impact

    Look at facade, roof, common areas, lifts, basement, moisture, and visible signs of deferred maintenance.

  3. Confirm fees and repair fund

    High impact

    Check what is included in monthly payments, the repair fund, utilities, and whether planned increases are expected.

  4. Verify rent with comparables

    High impact

    Use at least three comparable rents or signed leases before treating the entered rent as realistic.

  5. Ask about vacancy and demand

    High impact

    Check tenant demand, typical vacancy, nearby competition, and whether the layout is easy to rent.

  6. Stress-test monthly budget

    Medium impact

    Compare mortgage, fees, reserve, and living costs against the client's stable income and emergency buffer.

  7. Break down renovation scope

    Medium impact

    Separate must-have repairs from cosmetic upgrades and check whether the budget includes contingency.

  8. Plan a technical inspection

    Medium impact

    For older or renovation-heavy flats, verify wiring, plumbing, windows, heating, moisture, and structural concerns.

Documents to verify

Paperwork that should support the assumptions before a client decision.

  1. Ownership extract

    High impact

    Verify owner, unit definition, liens, easements, and whether anything conflicts with the listing.

  2. SVJ or HOA documents

    High impact

    Review meeting minutes, repair fund, planned repairs, debts, insurance, and building management quality.

  3. Energy label

    Medium impact

    Check energy performance and likely heating costs, especially for older buildings.

  4. Floor plan and usable area

    Medium impact

    Compare advertised area with the official plan and make sure the layout supports the buyer profile.

  5. Rent evidence

    High impact

    Ask for lease history or comparable rent evidence; the model should not invent rent confidence.

  6. Cash reserve

    Medium impact

    Keep a realistic reserve for vacancy, repairs, higher rates, and transaction costs.

  7. Renovation quotes

    Medium impact

    Collect itemized quotes and contingency before treating renovation cost as reliable.

  8. Planned building repairs

    Medium impact

    Check planned facade, roof, lift, pipe, window, and common-area repairs that could change fees.

Score breakdown

Every point comes from the deterministic financial model. Caps keep negative-cashflow deals conservative.

  1. Starting point

    +50 pts

    score 50

  2. Gross rental yield

    +18 pts

    score 68

  3. Net rental yield

    +2 pts

    score 70

  4. Monthly cashflow

    -4 pts

    score 66

  5. Renovation risk

    -10 pts

    score 56

  6. New build / older property

    -5 pts

    score 51

  7. Ownership risk

    0 pts

    score 51

  8. Down payment / leverage

    0 pts

    score 51

Final BytScore

51/100

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.
Pro Reports preview
Client report draft

A copyable report-style summary for a client conversation. This is the first paid workflow hypothesis, shown here as a preview.

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Profile-aware BytScore

90/100

Monthly cashflow

-1 424 Kč

Gap to target price

0 Kč

Preview full copy
Client report: Example Ostrava 2+1

Address: Nadrazni 123, Ostrava - Ostrava

Based on entered data, this deal looks strong. Legal, technical, and mortgage checks are still required.

Client profile: First home buyer
Profile-aware BytScore: 90/100 (Strong)
Rental/investment score: 51/100
Purchase price: 2 700 000 Kč
Monthly owner cost: 16 424 Kč
Monthly cashflow: -1 424 Kč
Gross yield: 6.10%
Net yield: 3.74%
Price per m2: 46 552 Kč
Gap to target price: 0 Kč

Risk flags:
- Negative monthly cashflow after mortgage and estimated costs.
- Renovation cost can easily grow above the initial estimate.
- Older property may have higher technical and repair risks.

Next checks:
- Reduce or seller-credit about 62 500 Kč of renovation risk after contractor quotes. Do not assume this until verified.
- For a first home buyer, keep a monthly reserve after mortgage, fees, and repairs.
- Review SVJ/HOA documents, planned repairs, ownership structure, and building debt.

This is a rough financial model based on entered data. It is not a professional valuation, mortgage advice, legal advice, or tax advice. Legal, technical, and mortgage checks are still required.

Preview only: no payment, account, or sharing workflow is active yet.

PDF export now opens the report constructor. Choose modules, preview the layout, then generate a local PDF.

Assumptions to verify

Expected rent

15 000 Kč

Manual rent - manual input

Rent estimate

Manual rent from the user or listing. Verify it before relying on the score.

unknown area, unknown period

Monthly fees

3 800 Kč

Renovation cost

250 000 Kč

Interest rate %

4.8%

Mortgage years

30 years

New build

No

Ownership type

Unknown / verify

Location

Ostrava

Coordinates

49.839100, 18.286400

These are still inputs, not verified facts. Confirm rent, fees, ownership type, coordinates, renovation scope, and new-build status before presenting the result.

Map
Approximate pin

Example Ostrava 2+1

49.83910, 18.28640

90
Embedded Google Maps uses the entered coordinates for this apartment.Open in Google Maps
Open exact location

Nadrazni 123, Ostrava

Ostrava - Coordinates: 49.83910, 18.28640

Approximate pin
Google MapsMapy.czOpenStreetMap

Verify the exact entrance and parcel before a viewing. The map uses the coordinates entered in BytScore.

Market context

Open-data context for the selected location. This is not a valuation.

Open data
Loading open-data context...
Risk flags
  • Negative monthly cashflow after mortgage and estimated costs.
  • Renovation cost can easily grow above the initial estimate.
  • Older property may have higher technical and repair risks.
Score improvement advice

  • Reduce or seller-credit about 62 500 Kč of renovation risk after contractor quotes. Do not assume this until verified.

    Medium impactmodel +5
Client-fit checks

  • For a first home buyer, keep a monthly reserve after mortgage, fees, and repairs.

    High impact

  • Review SVJ/HOA documents, planned repairs, ownership structure, and building debt.

    Medium impact

  • Check whether the unit would still be easy to sell if life plans change.

    Medium impact