Rental Portfolio Health Check 2026

5-7% gross yield is typical. Below 4% suggests negative cash flow. Above 8% is strong but rare in Dublin.

Interest Coverage Ratio = Net income / Interest cost. Banks require 110-140% for BTL mortgages. Below 100% means you're losing money.

Banks test affordability at current rate + 2%. Our simulator lets you test any rate increase from 0-5%.

Below 75% is strong. 75-85% is moderate. Above 85% limits refinance options and may trigger higher rates.

At 5% vacancy (2.6 weeks/yr), you lose 1 month of rent. At 15%, that's nearly 2 months — significant for cash flow.

Rent Pressure Zones cap annual rent increases at 2%. Most of Dublin and major cities are RPZs.

Fixing protects against ECB rises. But if rates drop, you're locked in. Our stress test helps you decide.

You revert to the standard variable rate (SVR), typically 1-2% higher. Plan for this in your cash flow.

1% of property value per year is standard. A €400k property needs ~€4k/yr for repairs and upkeep.

Spreading properties across counties reduces risk. Concentrating in one area (e.g. Dublin only) is higher risk.