BytScore
Client report: Example Praha 2+kk
Vinohradska 1200/50, Praha 2 - Praha
Based on entered data, this deal looks strong. Legal, technical, and mortgage checks are still required.
Executive summary
Profile-aware BytScore
96/100
Rental/investment score
32/100
Score mode
Own-use score
Client profile
Family with kids
Purchase price
6 000 000 Kč
Price per m2
109 091 Kč / m2
Rent confidence
Manual rent - manual
Score graph
Decision summary
Base score
96/100
Bad-case score
88/100
Optimistic score
96/100
Input confidence
weak - 45%
Assumption
Mortgage rate
Score effect
0 points, stressed score 96/100
Cashflow effect
-3 980 Kč monthly cashflow
- For a family with kids, verify schools, kindergartens, parks, and safe routes nearby.
- Check layout quality: separate bedroom, storage, stroller access, elevator, and usable shared spaces.
- Visit at different times to check street noise, safety, and building atmosphere.
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.
Financial model
Monthly mortgage
25 184 Kč
Monthly owner cost
31 684 Kč
Monthly cashflow
-7 684 Kč
Loan amount
4 800 000 Kč
Down payment
1 200 000 Kč
Gross yield
4.80%
Net yield
3.50%
Income vs owner cost
Capital-growth scenario
Bad / normal / optimistic cases
Bad case
88/100
Normal case
96/100
Optimistic case
96/100
Viewing and document checklist
Viewing checklist
Questions and observations to verify at the apartment or with the broker.
- Verify exact address and entrance - Compare the listing address, entrance, floor, unit, and coordinates with the cadastral record and map.High impact
- Inspect the building condition - Look at facade, roof, common areas, lifts, basement, moisture, and visible signs of deferred maintenance.Medium impact
- Confirm fees and repair fund - Check what is included in monthly payments, the repair fund, utilities, and whether planned increases are expected.High impact
- Verify rent with comparables - Use at least three comparable rents or signed leases before treating the entered rent as realistic.High impact
- Ask about vacancy and demand - Check tenant demand, typical vacancy, nearby competition, and whether the layout is easy to rent.High impact
- Stress-test monthly budget - Compare mortgage, fees, reserve, and living costs against the client's stable income and emergency buffer.Medium impact
- Plan a technical inspection - For older or renovation-heavy flats, verify wiring, plumbing, windows, heating, moisture, and structural concerns.Medium impact
- Check family amenities nearby - Verify schools, kindergartens, parks, doctors, groceries, and safe daily routes rather than relying on the address alone.High impact
Documents to verify
Paperwork that should support the assumptions before a client decision.
- Ownership extract - Verify owner, unit definition, liens, easements, and whether anything conflicts with the listing.High impact
- SVJ or HOA documents - Review meeting minutes, repair fund, planned repairs, debts, insurance, and building management quality.High impact
- Energy label - Check energy performance and likely heating costs, especially for older buildings.Medium impact
- Floor plan and usable area - Compare advertised area with the official plan and make sure the layout supports the buyer profile.Medium impact
- Rent evidence - Ask for lease history or comparable rent evidence; the model should not invent rent confidence.High impact
- Cash reserve - Keep a realistic reserve for vacancy, repairs, higher rates, and transaction costs.Medium impact
- Planned building repairs - Check planned facade, roof, lift, pipe, window, and common-area repairs that could change fees.High impact
- Building debt and future fees - Check loans at the building or SVJ level and whether they can raise monthly costs.Medium impact
Input confidence
Confidence
45% confidence
Several critical assumptions are missing or weak.
0 of 8 checked manually
- Rent assumption - Confirm with signed rent history or at least three comparable active or recent rentals.Manual
- Monthly fees - Verify HOA/SVJ fees, repair fund, utilities, and planned increases.Manual
- Renovation budget - Support the budget with scope, contractor quotes, and a contingency reserve.Manual
- Ownership type - Check the ownership extract, cooperative rules, liens, easements, and mortgage limits.Missing
- Address and entrance - Confirm the exact address, entrance, floor, unit, and cadastral match.Manual
- Map coordinates - Confirm the pin points to the building entrance or parcel, not only the city center.Manual
- Detected local area - Check whether the detected district or cadastre really matches the apartment and market context.Model-based
- New-build status - Verify whether the apartment is a new build, older building, or renovated older stock.Manual
Rent verification
Current rent assumption
24 000 Kč
Rent source
Manual rent - manual
Median comparable rent
Needs comps
Median rent per m2
Needs comps
Difference vs assumption
Needs comps
Verification status
3 more complete comp(s) needed
Rent is still provisional. Complete all three comps before relying on the score.
Risk flags
- Negative monthly cashflow after mortgage and estimated costs.
- Older property may have higher technical and repair risks.
Next recommended checks
- The basic model has no obvious score lever. Keep the assumptions conservative and verify legal, technical, and mortgage risks.
- For a family with kids, verify schools, kindergartens, parks, and safe routes nearby.
- Check layout quality: separate bedroom, storage, stroller access, elevator, and usable shared spaces.
- Visit at different times to check street noise, safety, and building atmosphere.
Entered assumptions
Purchase price
6 000 000 Kč
Area
55 m2
Expected rent
24 000 Kč
Rent confidence
Manual rent - manual
Monthly fees
4 500 Kč
Renovation cost
0 Kč
Interest rate
4.8%
Mortgage years
30 years
New build
No
Coordinates
50.075300, 14.442200
Important disclaimer
This is a rough financial model based on entered data and broad market context. It is not a professional valuation, mortgage advice, legal advice, or tax advice. Legal, technical, mortgage, and tax checks are still required.