Get your detailed investment report

FREE PERSONALIZED REPORT

In just a matter of minutes Stellax allows you to receive an insightful investment report that would estimate how much return on your investment you can expect. The report assumes an investment horizon of ten years and includes a detailed cash flow and profit analysis taking into account potential rental income, various taxes, mortgage payments etc. Apart from that Stellax provides additional insights regarding the riskiness of the investment (Stellax Risk Score) by assessing the population trend, vacancy rate, days to find a tenant, population density etc. Fill in the form below and expect your personalized report to arrive at your email address in 2 to 5 minutes!

HOW TO READ THE REPORT​

shows how good your investment in terms of risk/return.
– Gross rental yield is the return to an investor before incurring any costs. It is calculated as annual rental income divided by price;
– Net rental yield is the return to an investor after incurring all the costs (operating, vacancy, taxes etc.) except  for financing costs. It also does not account for house price appreciation/depreciation; –  – Stellax Risk Score is a proprietery Stellax risk metric, which assesses investment’s riskiness. The score ranges from 1 (highest risk) to 99 (lowest risk). Read more about it here.
shows general characteristics of the deal: price of the property, construction year, square meters, etc. Additional investment is the additional funds invested in the property in addition to the price paid.
shows financing and macroeconomic assumptions.  
Financing assumptions include percentage of the property price that is financed by mortgage (debt to value); and interest that has to be paid on the mortgage and the amount of time the mortgage is taken for.
– Macroeconomic assumptions include property price growth rate and inflation rate (the costs and revenues are inflated over time).
 shows how property score across different metrics that are included in Stellax Risk Score. The higher the score, the better. It also provides information on population density and population growth in the property area as well as an estimate of the number of days to find a tenant. Read more about it here.
 shows revenue and costs of the project.
– Revenue section includes an estimate of the monthly revenue (you can expect to receive from renting out property) and occupancy rate (% of the year a property is expected to be rented out).
– Costs section consists of an initial investment estimate and recurring costs. The initial investment is a one-time expense that happens at the property purchase date. The recurring costs are expected to be incurred through out the projects on the annual basis.

Note that renovation costs are the costs related to additional funds needed to keep the property in a decent state. Even though renovations do not usually happen every year, the costs are spread out across the investment horizon. Such normalization is done to provide a more representative cash flow estimate to the investor. Note that the estimate varies with the construction year of the property, assuming that older buildings have a higher chance of additional renovations. Moreover, a higher renovation spend is assumed for the property owners that do not deposit any money in the VVE account. Management costs are the costs related to finding new tenants, minor renovations, or some other everyday problems that are incurred by the landlord during the course of the project.
shows how your net worth is expected to grow over time. After calculating the revenue and subtracting operating costs + mortgage payments, Stellax presents you with an estimate of cash flow to investor for the next 10 years. This is the amount of money one can expect to be added to their bank account. Note that net worth does not account only for the money you receive from renting out your property, but also property price appreciation and paying down the mortgage.
shows includes three metrics:
– Initial ivestment
is the money that has to be paid out of the investor pocket to start the project. It is a sum of transaction costs and the percentage of the property price that is not financed by debt;
– Average annual cash flow is an average amount of money added to the bank account within a year in the next 10 years;
– Total return is the return to an investor that accounts for both cash and non-cash effects. It does not only account for all the costs (incl. financing costs), but also potential property price appreciation.
 shows a detailed costs breakdown, including mortgage payments, taxes, ground lease etc.

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Disclaimer: The information provided by Stellax is not intended to replace any legal, real estate, tax, or other professional service. Stellax does not guarantee any investment return to the service user. The presented figures are an estimation of the algorithm based on the limited information. Please read the limitations section carefully. Do not make an investment without understanding the risks.

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