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Professional Irish Financial Analysis • 2026
Generated On
22 July 2026
Note: This report is an estimate based on current Irish Revenue tax bands and provided inputs. For official tax advice, please consult a qualified professional or visit Revenue.ie.
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Analyse your property portfolio's yield, ICR, LTV, and cash flow. Stress-test against rate rises and identify underperforming assets.
Rental Portfolio Health Check helps landlords assess the financial health of their property portfolio across key metrics: net yield, ICR, LTV, and cash flow resilience.
Add each property's value, mortgage balance, rate, rent, and costs. The tool calculates individual and portfolio-level health scores and projects 10-year equity growth.
All calculations are estimates based on your inputs. Consult a qualified financial adviser for personalised portfolio advice.
Net Yield
4.1%
Target >5%
ICR
145%
Target >110%
Portfolio LTV
63%
Target <75%
Cash Flow
5030
Positive
Property 1: Fixed rate ends in 4mo — plan refinance
Property 1
⚠️ FairPortfolio Management Guide
Yield & Cash Flow
Gross yield = annual rent / property value. Net yield accounts for fees, maintenance, and LPT. Aim for 5%+ net yield. Cash flow positive properties are essential for portfolio sustainability.
Stress Testing
Banks test affordability at current rate + 2%. Our simulator extends to +5%. If any property fails the stress test, consider fixing rates or increasing rent to maintain coverage.
Portfolio Resilience
Diversify across counties to reduce geographic risk. Maintain 3-month cash reserves per property. Review fixed-rate end dates and plan for SVR reversion 6 months before expiry.
Scenario-based suggestions to help you validate your result and explore the next decision point.