Sample report
Ratio Property Plan — illustrative report
Anonymised sample of the format, metrics and reading of a Ratio report. Data is fictitious and published for orientation only.
What this sample shows
- Full structure of a real, anonymised Ratio Property Plan.
- How KPIs, area comparables and scenarios are presented.
- Types of alerts the engine flags automatically.
- Editorial tone and detail of the quantitative verdict.
Report anatomy
Tier 1 quantitative analysisEverything it includes, section by section
Every Ratio Property Plan is a complete document on a specific property. This is what you'll find inside, with detailed calculations and cited sources.
Property data
Cadastral reference, floor area, purchase price, expected rent, price/m² and rent/m²·month. The whole analysis starts from these verifiable values.
1 · Executive summary
Quantitative verdict with gross yield, cap rate, leveraged ROE and annual cash flow, plus automatic risk alerts (negative cash flow, off-market rent, price above average).
2 · Current market
Municipal MIVAU prices by type (open, resale, new), average mortgage rate and 12M Euribor (Bank of Spain) and average income for the census tract (INE).
3 · Rent vs SERPAVI
Real rent range for the census tract (P25 · median · P75) from registered contracts, number of observed contracts and the typical local flat profile.
4 · Operating return
Gross yield and cap rate with a full breakdown of operating costs (property tax, fees, insurance, maintenance, management) and total investment (transfer tax, notary, registry, appraisal), across three scenarios: optimistic, base and pessimistic.
5 · Leverage
Monthly instalment (French amortisation), equity invested, leveraged cash flow and ROE, and a stress test with a +175 bp rate rise.
6 · Positioning vs the area
Theoretical area cap rate (SERPAVI median) against the property's yield, with the difference in percentage points.
7 · Market history
Theoretical gross yield of buying the property each year since 2007, with the best and worst points of the cycle.
Technical annex
Official sources (MIVAU, Bank of Spain, SERPAVI, INE), applied assumptions, methodological caveats and a glossary.
Reference
RPP-SAMPLE-001
Product
Ratio Property Plan
Delivery date
2026-05-21
Analyst
Ratio team
Executive summary
78 m² apartment in Eixample, Barcelona
Asking price €285,000. Estimated rent €1,150 · month. Reasonable gross yield but tight leveraged cash flow under base assumptions.
Quantitative verdict
Illustrative analysisViable deal with narrow margin
Operating yield above area median but leveraged scenario leaves near-zero net cash flow.
Key indicators
Asset KPIs
Key metrics computed from declared inputs and official data.
Gross yield
4,84 %
Sin gastos
Net yield
3,72 %
Tras costes
Leveraged cash flow
+18 €
Mensual base
10-year IRR
4,1 %
Base 10 años
Comparable market
Positioning vs the area
Comparison with published deal closings and current SERPAVI index.
| Metric | Asset | Area median | SERPAVI | Reading |
|---|---|---|---|---|
| Price / m² | €3,654 | €3,890 | — | -6 % |
| Rent / m² | €14.7 | €15.2 | €13.9 | In range |
| Gross yield | 4.84 % | 4.69 % | — | +15 bp |
Alerts
Points to watch
Scenarios
Cash flow sensitivity
How the deal behaves under different rate, vacancy and rent assumptions.
| Scenario | Rate | Vacancy | Cash flow | IRR |
|---|---|---|---|---|
| Base | 3.40 % | 4 % | +€18/mo | 4.1 % |
| Optimistic | 2.90 % | 2 % | +€96/mo | 5.3 % |
| Stress | 4.20 % | 8 % | -€122/mo | 2.4 % |
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