For private landlords in France
Notice periods, deposit returns, service-charge reconciliation, DPE rental bans, IRL indexation, depreciation clawed back when you sell: every obligation on one calendar, each with the amount at stake. Calculations use your own figures.
DemoDemo portfolio: sample data, not a real client. The figures come from the same code as the app and were taken on 31 August 2026 at ECB reference rates. They move slightly as loans amortise and rates change.
Whole portfolio
Rent roll ledger
Where the rent goes
You keep €67,147
Out of €181,842 collected over 12 months, after loans and charges.
Each expense assigned to its property.
Whole portfolio
Underwriting metrics
What a bank would ask
DSCR 1.29×
Above 1.25: the mortgaged properties cover their debt service with a margin. Calculated on the whole portfolio, not as an average of properties.
The three numbers a lender asks for, across the whole portfolio.
Haussmann — Paris 8e
Yield ranking
Your biggest earner
€48,970 a year
27% of the rent roll, at a 2.9% net yield, among the lowest.
Properties ranked by net yield.
Haussmann — Paris 8e
Concentration check
Your most expensive address
35% in one property
Over a third of portfolio value at one address.
Recalculated with each new valuation.
Whole portfolio
Releasable equity
Equity
€2,910,026 in equity
Across eight properties at 24% loan-to-value. Vieux-Port alone sits at 17%.
Flags low-debt properties with a low return.
Vieux-Port — Marseille
Property ranking
Best yield
6.4% net
The highest net yield in the portfolio.
Top of the net-yield ranking.
Voltaire — Paris 11e
Cashflow engine
Bleeding every month
−€167 / month
That is −€2,004 a year: after charges, the rent does not cover the loan payment.
Cash flow computed per property.
Croix-Rousse — Lyon
Refinancing radar
Paying above market
€2,337 a year
Of interest above the average market rate.
Rate compared monthly with the ECB average.
Le Panier — Marseille
Indexation radar
Rent never indexed
€108 a year unclaimed
Rent unchanged for 25 months while the IRL rose. A review that is not claimed is not retroactive.
Review date taken from each lease.
Le Panier — Marseille
Rental-ban calendar
About to become illegal
€9,360 a year at risk
DPE class F: letting banned from 2028 for new or renewed leases.
2025, 2028 and 2034 deadlines counted to the day, per property.
Vieux-Port — Marseille
Maturity wall
Loan maturity
€54,368 due in 9 months
The property covers its payment almost twice over, which leaves room to refinance.
All loan maturities, by date.
Whole portfolio
Portfolio scan
Found in eight properties
€13,809 a year
Current or upcoming losses across the eight properties.
Open this portfolio in one click.
Portfolio underwriting
Portfolio DSCR
1.29×
Net operating income over annual debt service, across the whole portfolio.
Loan-to-value
24.4%
Debt yield
9.9%
Net worth, trailing 24 months
The same demo portfolio as the cards above, with the same figures.
Multi-currency portfolios
Each property is converted at ECB reference rates. When no rate is available, the property is left out of the total and flagged.
Excluded from the total until a rate exists.
Covenant thresholds
DSCR
Below 1.25×, the margin is thin. Below 1.00×, rent does not cover the loan.
Debt yield
Below 10% falls under most refinancing floors.
LTV
Above 75% is where banks start declining to refinance.
Equity over time
+€142,300+18.4%
Calculated from recorded valuations and actual loan amortisation, without projection.
Energy compliance
2025: class G banned
2028: classes F and G banned
2034: classes E, F and G banned
Studio Marais, class F: banned from January 2028
Sourced from the loi Climat et Résilience minimum-class schedule.
Automatic signals
Refinancing gap
Flagged when your rate sits meaningfully above the live ECB mortgage benchmark.
Lazy equity
Loan-to-value under 50%, return on equity under 3%, at least €50,000 sitting idle.
Rent indexation
The published INSEE index has moved and your rent hasn't followed it yet.
IRL +1.2% year on yearNo bank connection
The app connects to no bank and asks for no banking credentials. Your data is stored in the European Union and can be exported to CSV at any time.
No password stored
Sign-in goes through Google: the app neither creates nor stores a password.
No money held
Rent, deposits and charges do not pass through the app. It calculates and informs; nothing here is financial, tax or legal advice, or a credit offer.
Spreadsheets vs. software vs. this app
| Feature | Spreadsheets | Legacy software | This app |
|---|---|---|---|
| Bank credentials requested | Never | Commonly | Never |
| Multi-currency, live ECB rates | Manual, error-prone | Rare | Built in |
| Lender ratios (DSCR, LTV, debt yield) | — | — | Built in |
| DPE ban tracking (2025–2034) | — | Sometimes | Per property |
| IRL rent indexation alerts | Manual lookup | — | Automatic |
| Time to get started | Hours | Weeks | Minutes |
WHERE WE ARE GOING
Everything before “we are here” is already in the product. What follows is intent, with no dates announced.
Every analysis engine is available on every account. A personal, non-commercial project: no advertising, no resale of data.