Sample Investment
The full calculator — set the price, currency, horizon, appreciation, rental yield, and financing exactly to your own numbers, and see right away what it means for your returns.
Sample investment example
Your assumptions
The lowest price in our current listings in Georgia is €60,000.
✓ Default in Georgia: 13 % a year
✓ Typical range 6–12%, default 6%
We're happy to arrange financing up to 70% of the value — how it works.
Reduce future returns
Reduces the entered annual appreciation by up to 80% — effectively 13 % a year. It lowers only the price growth, not rent or interest.
Over 5 years: total return of €125,812 on €100,000 invested
- Property value
- €184,244
- today €100,000 · 1.84× the current price
- Gain from appreciation
- €84,244
- effectively 13 % a year
- Rental income
- €41,568
- in year 5 ≈ €921 a month
- Equity growth
- 125.8 %
- i.e. 17.7 % a year · on €100,000
- With financing (50% LTV): 224.1 %
Purchase structure
- Equity
- €100,000
Property value and total return over time
Price appreciation and rent will reach the amount of capital invested (€100,000) after 4 years and 3 months.
- Property value
- Total return
- Capital invested €100,000
Tip: hover over the chart or drag a finger across it to see the values for any month.
For comparison: a property worth €100,000, at the average price growth in the Czech Republic (6 % a year, ČSÚ), would be worth €133,823 after 5 years — without rental income.
Show data in a table
| Year | Property value | Monthly rent in that year | Rental income (total) | Total return | Equity growth |
|---|---|---|---|---|---|
| today | €100,000 | – | €0 | €0 | 0 % |
| Year 1 | €113,000 | €565 | €6,415 | €19,415 | 19.4 % |
| Year 2 | €127,690 | €638 | €13,663 | €41,353 | 41.4 % |
| Year 3 | €144,290 | €721 | €21,854 | €66,144 | 66.1 % |
| Year 4 | €163,047 | €815 | €31,110 | €94,157 | 94.2 % |
| Year 5 | €184,244 | €921 | €41,568 | €125,812 | 125.8 % |
How we calculate this and where the defaults come from
Terms explained with your example
- Price appreciation. 13 % a year means that a property worth €100,000 is worth €113,000 after a year and €127,690 the year after (compounded).
- Rental yield. 6 % a year on a property worth €100,000 is roughly €6,000 of net rent a year, i.e. €500 a month. In the model, rent is calculated from the current value, so it grows along with the price.
- Financing. A loan of 50% of the value at 5.5% p.a. is not repaid; interest is calculated on the full principal over the entire horizon. The higher percentage under “with financing” arises because the same return is divided by a smaller amount of equity.
- Equity growth. Total return (price appreciation + rent − any interest) divided by your own money. The annual figure is the average compound annual rate.
Source of the default price growth estimate (Georgia): Estimate based on publicly available market data on Batumi (Colliers Georgia, Galt & Taggart) — flat prices typically grew 10–14% a year in recent years, with growth expected to slow to approx. 4–6% in 2026.
This is an average for Batumi as a whole. Better locations and projects (beachfront, quality developer) grew significantly faster, easily around 20% a year.
Default values in Georgia: appreciation 13 % a year, rental yield 6 %–12 % a year.
The range reflects management type and location — a hotel-management system with predictable pricing usually performs more reliably than individual short-term rental in an oversupplied location.
This is a simplified illustrative calculation (the loan is calculated as interest-only at a fixed rate, and does not include taxes or transaction costs). Past appreciation is no guarantee of future returns — the actual result depends on the project, location, occupancy, and quality of management. Exchange rates are indicative; the Czech comparison is based on ČSÚ data.