{ "nav": { "features": "Features", "howItWorks": "How It Works", "faq": "FAQ", "tools": "Tools", "blog": "Blog", "analyzeNow": "Analyze Now", "menu": "Menu", "language": "Language" }, "hero": { "headline": "Know if a property is worth buying in under 60 seconds.", "sub": "Paste any listing. Get yield, cash flow, ROI, and a verdict. Free.", "ctaPrimary": "Analyze a Property", "microcopy": "No signup. No spreadsheets. 60 seconds." }, "liveProof": { "label": "investors analyzed a deal today" }, "analyze": { "label": "Free Instant Analysis", "title": "Analyze your property now", "sub": "Enter your property details and receive a complete investment analysis in seconds — completely free.", "feature1": "Investment Score (0–100)", "feature2": "Local Market Rent Research", "feature3": "Rental Yield & Cash Flow", "feature4": "ROI & Financing Estimate", "feature5": "AI-Written Investment Summary", "formTitle": "Property Analysis", "formSub": "Paste a listing URL to auto-fill, or enter details manually.", "currencyTitle": "Currency", "tabUrl": "From URL", "tabManual": "Manual", "urlLabel": "Property Listing URL", "urlPlaceholder": "Paste URL from finn.no, hemnet.se, rightmove.co.uk…", "extractBtn": "Extract Data", "urlSites": "Supports finn.no · hemnet.se · rightmove.co.uk · zillow.com · boligsiden.dk and more", "extractSuccess": "Data extracted — review and confirm before analyzing", "locationLabel": "Property Location", "locationPlaceholder": "e.g. Oslo, Frogner or Stockholm, Södermalm", "priceLabel": "Property Price", "rentLabel": "Expected Monthly Rent", "downLabel": "Down Payment", "rateLabel": "Mortgage Interest Rate", "expensesLabel": "Monthly Expenses", "analyzeBtn": "Analyze Property", "searching": "Searching…" }, "howSection": { "label": "How It Works", "title": "4 steps. 60 seconds.", "sub": "Paste a listing. Read the verdict. Done." }, "contact": { "eyebrow": "Get in touch", "title": "Questions, feedback, or partnership?", "sub": "We read every message.", "copied": "Email copied — paste it into your mail app" }, "stakes": { "eyebrow": "What's at stake", "title": "Buying a property is a big decision.", "sub": "Don't make it blind.", "stat1": "of investors buy without running the numbers first.", "stat2": "get surprised by hidden maintenance costs.", "stat3": "can't tell if the yield is actually good." }, "showcase": { "s1": { "eyebrow": "The analyzer", "title": "Paste a listing.", "b1t": "Any platform", "b1d": "Boligsiden, Hemnet, Finn.no — any URL.", "b2t": "Auto-extracted", "b2d": "Price, m², fees — straight from the listing.", "b3t": "Honest data", "b3d": "DST, SCB, SSB — official sources only.", "mockExtract": "Extract", "mockDetected": "Data extracted", "mockPrice": "Price", "mockSize": "Size", "mockPerSqm": "Price / m²", "mockType": "Type", "mockAnalyze": "Run analysis →" }, "s2": { "eyebrow": "The report", "title": "Understand the deal.", "b1t": "One score, 0–100", "b1d": "Yield + cash flow + ROI in one number.", "b2t": "Strategy-aware", "b2d": "Cashflow, appreciation, value-add.", "b3t": "One-line verdict", "b3d": "The biggest risk, spelled out.", "mockStrategy": "Cashflow", "mockLoc": "Copenhagen · 2200", "mockScoreLabel": "Score", "mockYield": "Yield", "mockCf": "Cash flow", "mockRoi": "ROI", "mockVerdictLabel": "Verdict", "mockVerdict": "Workable — margin thin. Survives +2% rate." }, "s3": { "eyebrow": "Renovation Mode", "title": "What if you renovate?", "b1t": "New rent, new value", "b1d": "Enter it. We recompute the ROI.", "b2t": "Refinance recovery", "b2d": "See how much cash comes back.", "b3t": "ROI uplift", "b3d": "The delta tells you if it's worth it.", "mockTitle": "Renovation scenario", "mockBudget": "Budget", "mockNewRent": "New rent", "mockNewValue": "New value", "mockUplift": "ROI uplift", "mockRec": "Worth doing. Proceed." } }, "flow": { "step1Title": "Paste a listing", "step1Hint": "Boligsiden, Hemnet, Finn.no — any URL.", "step2Title": "We crunch the numbers", "step2Hint": "Yield, cash flow, ROI, market data.", "step3Title": "Get the verdict", "step3Hint": "Score 0–100 + one-line answer.", "step4Title": "Export to Sheets", "step4Hint": "One click. Professional spreadsheet." }, "features": { "label": "Features", "title": "Everything you need to evaluate a property", "sub": "Professional-grade investment analysis, available to everyone.", "f1Title": "Investment Score", "f1Desc": "A single 0–100 score combining yield, cash flow, and ROI into one clear verdict on a property's investment potential.", "f2Title": "Rental Yield", "f2Desc": "Calculates gross rental yield as annual income divided by property price — the core profitability metric used by professionals.", "f3Title": "Cash Flow Analysis", "f3Desc": "Monthly income minus mortgage and expenses. Know exactly how much cash a property puts in your pocket each month.", "f4Title": "ROI Calculator", "f4Desc": "Return on investment based on annual profit versus cash actually invested — the true measure of investment efficiency.", "f5Title": "Local Market Research", "f5Desc": "Automatically researches comparable rental prices in your target area to benchmark your expected rent against the market.", "f6Title": "AI Summary", "f6Desc": "A plain-English summary of the property's strengths, weaknesses, and risks — written by AI, based on the numbers." }, "faq": { "label": "FAQ", "title": "Frequently asked questions", "sub": "Everything you need to know about analyzing property investments with NordInvest.", "q1": "How do I know if a property is a good investment?", "a1": "Evaluate it across four wealth engines: rental cash flow, long-term price appreciation, value-add potential, and financing leverage. A good investment has at least one strong engine and survives an interest-rate stress test. NordInvest analyzes all four and classifies the property automatically in under 60 seconds.", "q2": "What is a good rental yield in Denmark, Norway, or Sweden?", "a2": "In major Nordic cities, gross rental yields typically range from about 3% to 4.5%. These are appreciation-driven markets, so a lower yield is normal and not automatically bad. Yields above roughly 5.5% usually indicate a cash-flow-focused property in a secondary market. Learn how to calculate rental yield →", "q3": "Is negative monthly cash flow always a bad sign?", "a3": "No. In low-yield, high-appreciation markets like Copenhagen, a slightly negative monthly cash flow can still be an excellent long-term investment if the area appreciates steadily and you can hold for several years. What matters is whether the cash flow is fundable and survives a higher-interest-rate scenario.", "q4": "Is NordInvest free to use?", "a4": "Yes. NordInvest is completely free and requires no sign-up. Paste a property listing URL or enter the numbers manually to get rental yield, cash flow, ROI, a 5-year appreciation projection, and an investment classification instantly." }, "newsletter": { "title": "Stay Ahead of Nordic Markets", "sub": "Get monthly investment insights, market shifts, and analyzer updates — straight to your inbox.", "emailPlaceholder": "your@email.com", "submitBtn": "Get Nordic Insights", "countryPlaceholder": "Where are you investing from?", "note": "No spam. Unsubscribe anytime.", "successMsg": "You're in! Check your inbox for confirmation.", "errMsgGeneric": "Something went wrong. Please try again.", "errMsgEmail": "Please enter a valid email address.", "errMsgCountry": "Please select your country.", "promptCountry": "One more thing — pick your country.", "subscribing": "Subscribing…", "groupNordics": "Nordics", "groupEurope": "Europe", "groupNorthAmerica": "North America", "groupOther": "Other" }, "popup": { "close": "Close", "eyebrow": "Investor List", "title": "Spot Nordic deals before anyone else.", "desc": "Join 1,000+ investors getting our monthly intel drop on the Nordic property market.", "benefit1": "Undervalued properties spotted by our analyzer — before they hit mainstream listings", "benefit2": "Monthly Nordic market reports: yields, price shifts, hot districts", "benefit3": "Early access to new analyzer features and country expansions", "submitBtn": "Get Early Access" }, "footer": { "copyright": "© 2026 NordInvest. All rights reserved.", "marketsLabel": "Markets we cover", "investmentModels": "Investment Models", "glossary": "Glossary", "methodology": "Methodology", "privacy": "Privacy", "terms": "Terms", "contact": "Contact" }, "analysis": { "newAnalysis": "New Analysis", "exportSheets": "Export to Sheets", "exportingSheets": "Creating spreadsheet…", "exportedSheets": "✓ Opened in Sheets", "exportFailed": "✗ Failed — try again", "exportNotConfigured": "⚠ Setup needed — see console", "reportTitle": "Investment Report", "subtitle": "Property analysis results", "scoreLabel": "Investment Score", "scoreOf": "/100", "analyzing": "Analyzing...", "rentalYield": "Rental Yield", "rentalYieldSub": "Annual rental income / property price", "trendAbove": "↑ Above target", "trendNear": "→ Near target", "trendBelow": "↓ Below target", "monthlyCashFlow": "Monthly Cash Flow", "monthlyCashFlowSub": "Rent minus mortgage and expenses", "annualROI": "Annual ROI", "annualROISub": "Annual profit / cash invested", "downPayment": "Down Payment", "downPaymentSub": "Capital required upfront", "downPaymentPct": "{pct}% of purchase price", "classifyLoading": "Classifying investment type…", "classifyAnalyzing": "Analyzing…", "engineCashflow": "A · Cashflow Engine", "engineAppreciation": "B · Appreciation Engine", "engineLeverage": "C · Leverage Effect", "engineMarket": "D · Market Context", "marketResearch": "Local Market Research", "marketLoading": "Researching rental market…", "marketLoadingCity": "Researching rental market in {city}…", "marketAvgSale": "Avg. Sale Price", "marketAvgSaleSub": "per m², area average", "marketAvgRent": "Avg. Rent per m²", "marketAvgRentSub": "per month, gross estimate", "marketGrossYield": "Avg. Gross Yield", "marketGrossYieldSub": "area benchmark, not guaranteed", "financingDetails": "Financing Details", "loanAmount": "Loan Amount", "monthlyMortgage": "Monthly Mortgage", "interestRate": "Interest Rate", "loanTerm": "Loan Term", "loanTerm30": "30 years", "cfBreakdown": "Monthly Cash Flow Breakdown", "rentalIncome": "Rental Income", "mortgagePayment": "Mortgage Payment", "otherExpenses": "Other Expenses", "netMonthly": "Net Monthly Cash Flow", "projectionTitle": "5-Year Capital Growth Projection", "projYear": "Year", "projValue": "Projected Value", "projGain": "Capital Gain", "projDisclaimer": "Based on historical market appreciation. Past performance does not guarantee future results.", "stressTitle": "Risk & Stress Test", "aiBadge": "AI Analysis", "aiTitle": "Investment Summary", "aiGenerating": "Generating analysis...", "perMonth": "/mo", "layer1": { "investmentType": "Investment Type", "monthlyCashflow": "Monthly Cash Flow", "biggestRisk": "Biggest Risk", "verdict": "Verdict", "expandDetails": "Explore the full analysis below ↓" }, "layer2": { "cashflowModel": "Cashflow Model", "cashflowModelSub": "How the property performs as an income asset", "appreciationModel": "Appreciation Model", "appreciationModelSub": "5-year capital growth projection", "financingLeverage": "Financing & Leverage", "financingLeverageSub": "Loan structure and monthly mortgage", "stressTests": "Stress Tests", "stressTestsSub": "What breaks the investment", "marketContext": "Local Market Context", "marketContextSub": "Area benchmarks and comparisons", "brrrr": "Renovation Mode (BRRRR)", "brrrrSub": "\"What if I renovate for X?\" — recompute ROI" }, "layer3": { "showDetails": "Show calculation details", "hideDetails": "Hide calculation details", "formula": "Formula", "assumptions": "Assumptions", "sources": "Sources", "yieldFormula": "Annual Rent ÷ Property Price × 100", "yieldAssump": "Uses gross rent (before expenses). Includes 12 months × monthly rent.", "cashflowFormula": "Monthly Rent − Monthly Mortgage − Monthly Expenses", "cashflowAssump": "30-year amortization. Expenses include maintenance, taxes, and association fees if entered.", "roiFormula": "(Annual Cash Flow ÷ Cash Invested) × 100", "roiAssump": "Cash invested = down payment amount. Excludes transaction costs.", "apprFormula": "Property Price × (1 + appreciation rate)^years", "apprAssump": "Historical area appreciation. Past performance does not guarantee future results.", "mortgageFormula": "P × (r(1+r)^n) ÷ ((1+r)^n − 1)", "mortgageAssump": "P = loan, r = monthly rate, n = 360 months. Standard amortizing loan.", "stressAssump": "Stress tests use the same loan amount and term but recalculate the monthly mortgage at higher rates.", "marketSource": "Per-square-metre data from local market sources", "comparableSource": "Comparable rental properties in the area" }, "risks": { "rateSensitive": "Cash flow turns negative if mortgage rate rises by just 1%.", "deepNegativeCf": "Monthly shortfall is significant — you'd need {amount}/mo from other income to carry the property.", "lowYieldRelies": "At {yield}% yield, returns depend almost entirely on price appreciation continuing.", "vacancyExposure": "A single month of vacancy would erase {amount} from annual cash flow.", "thinMargin": "Cash flow is positive but thin — a vacancy or repair bill could flip it negative.", "marketFlat": "Market appreciation is moderate at ~{rate}%/year — limited upside from price growth alone.", "noStrongEngine": "Neither rent nor appreciation justifies the price at current numbers." }, "verdicts": { "strongBuy": "Strong fundamentals across the board — this property delivers both monthly income and long-term growth.", "incomePlay": "Solid income asset — the rent comfortably covers the mortgage and gives you cash each month.", "growthPlay": "Long-term capital growth story — accept thin cash flow now, reap appreciation later.", "balanced": "A balanced investment — modest income with steady appreciation potential.", "conditional": "Conditional opportunity — the numbers only work if you find a value-add angle (renovation, better financing, below-market entry).", "reject": "Do not proceed at these terms — neither the rent nor the appreciation justifies the price.", "cf": { "fit": "Fits your cashflow strategy — rent covers carrying costs and leaves real monthly income on the table.", "appreciationMismatch": "Mismatch with your cashflow strategy — this is an appreciation play. Cash flow will likely be thin or negative; consider whether you can wait for the equity instead.", "needsWork": "Doesn't yet fit your cashflow strategy — at current rent it's a value-add candidate. Cashflow only emerges after you raise the rent through renovation.", "reject": "Does not fit your cashflow strategy — neither the rent nor the financing terms support a working income asset here." }, "appr": { "fit": "Fits your appreciation strategy — strong market growth, accept the thin cash flow as the cost of holding for the upside.", "cashflowMismatch": "Mismatch with your appreciation strategy — this is a yield play in a slower-growth area. Returns will come from rent, not price growth.", "needsWork": "Doesn't yet fit your appreciation strategy — the area is decent but the property needs work to lift its value first.", "reject": "Does not fit your appreciation strategy — the market and the property both lack the growth signals you're looking for." }, "va": { "fit": "Textbook value-add target — current pricing reflects a problem you can solve through renovation, repositioning, or a better tenant mix.", "alreadyValued": "The market has already priced in much of the upside — there's limited value-add headroom unless you can find a specific edge.", "alreadyCashflowing": "This already works as an income asset — value-add lifts the yield further but the easier strategy here is to hold and collect.", "opportunity": "Distressed enough to be a real opportunity for a value-add operator — but the execution risk is real. Pencil out a renovation budget carefully." } } }, "ticker": { "eyebrow": "Browse · Find · Analyze", "title": "Recommended property websites", "sub": "Browse a listing, copy the URL, paste it into the analyzer." }, "portfolio": { "ctaTitle": "Save this analysis to your portfolio", "ctaSub": "Sign in (no password) to track every property you analyze, see your stats, and revisit deals later.", "signIn": "Sign in to save", "signedInAs": "Signed in as", "addToPortfolio": "Add to portfolio", "viewProfile": "View profile", "savedConfirm": "Saved to your portfolio.", "viewNow": "View now →", "modalEyebrow": "Portfolio", "modalTitle": "Save your analyses", "modalSub": "No password. Sign in with your email and we'll save this property — and every future one — to your portfolio.", "nameLabel": "Name", "emailLabel": "Email", "countryLabel": "Country", "countryPlaceholder": "Where are you investing from?", "signInBtn": "Create profile & save", "disclaimer": "Your details are stored on your device + our private subscriber sheet. No password, no spam.", "summaryZero": "No properties saved yet — add this one to start your portfolio.", "summaryOne": "1 property in your portfolio.", "summaryMany": "{count} properties in your portfolio.", "pageTitle": "Your portfolio", "pageSub": "Every property you've analyzed, in one place.", "stats": "Stats", "statsTotal": "Properties saved", "statsAvgScore": "Avg. score", "statsCountries": "Countries", "statsTotalCashflow": "Total monthly cash flow", "empty": "Your portfolio is empty", "emptyDesc": "Analyze a property and save it to your portfolio to see it here.", "emptyCta": "Analyze a property", "saved": "Saved", "savedOn": "Saved on", "removeBtn": "Remove", "removeConfirm": "Remove this property from your portfolio?", "logout": "Log out", "loggedOut": "You've been signed out.", "notSignedIn": "You're not signed in", "notSignedInDesc": "Sign in to access your portfolio. Analyze any property and click Sign in to save.", "notSignedInCta": "Start by analyzing a property" }, "rentReserve": { "title": "Rent Reserve", "sub": "Hidden value between current and market rent", "intro": "The gap between current rent and market rent is hidden value. Adjust the estimate below.", "currentRent": "Current monthly rent", "currentRentHint": "From your analysis.", "marketRent": "Estimated market rent (post-renovation)", "marketRentHint": "What you could charge after renovation, or what comparable units in the area earn today.", "reset": "Reset", "monthlyReserve": "Monthly Reserve", "monthlyReserveSub": "Market − current rent", "annualUplift": "Annual Uplift", "annualUpliftSub": "Monthly reserve × 12", "impliedValue": "Implied Property Value Lift", "impliedValueSub": "At the area's current rent multiplier (GRM).", "grmSub": "At the property's current rent multiplier ({grm}× annual rent).", "assump": "The implied value lift assumes the area's existing gross rent multiplier holds after the rent uplift. That is, the market values rent linearly — what investors pay today for €1 of annual rent is what they'll pay for the additional €1 you create through renovation. Renovation costs, vacancy during works, and tenant changeover are NOT modeled here — pencil those separately.", "verdictBig": "Significant rent reserve — a {pct}% rent uplift implies roughly {value} in added property value. This is the kind of gap a renovation project lives or dies on.", "verdictMid": "Workable rent reserve — a {pct}% rent uplift implies roughly {value} in added value. Worth modeling the renovation budget against this number.", "verdictSmall": "Small rent reserve — only a {pct}% gap to market. The value-add math gets thin; renovation needs a different angle (size, layout, unit split).", "verdictOverRented": "Property is over-rented by {amount}/mo vs. your estimate — flag vacancy + renegotiation risk if the lease rolls.", "verdictAtMarket": "Rent appears to be at market — no rent-reserve upside on these numbers. Adjust the estimate above if you think the market is higher." }, "strategy": { "label": "Pick your strategy", "step2": "Enter the property", "cashflow": { "name": "Cashflow", "desc": "Monthly rental income" }, "appreciation": { "name": "Appreciation", "desc": "Long-term price growth" }, "valueadd": { "name": "Value-add", "desc": "Force value via rehab" } }, "brrrr": { "intro": "What if I renovate for X? Enter your budget, new rent, and new value — we'll recompute the ROI.", "rehabLabel": "Renovation budget", "rehabHint": "All-in: materials, labour, permits, contingency.", "newRentLabel": "New monthly rent (post-reno)", "newRentHint": "What you can realistically charge after the renovation.", "arvLabel": "New property value (ARV)", "arvHint": "Appraised market value once the rehab is done.", "ltvLabel": "Refinance LTV", "ltvHint": "Industry standard is 75% of ARV.", "calcBtn": "Recalculate with renovation", "roiUplift": "ROI Uplift vs. Original", "roiUpliftSub": "Post-reno CoC − original ROI", "refiLoan": "Refinance Loan", "refiLoanSub": "LTV × ARV", "cashRecovered": "Cash Recovered", "cashRecoveredSub": "Refi loan − original loan", "cashInDeal": "Effective Cash-in-Deal", "cashInDealSub": "Down + rehab − cash recovered", "coc": "Post-Reno Cash-on-Cash", "cocSub": "Annual cash flow ÷ cash-in-deal", "assump": "Refinance happens after the rehab is complete and the property is rented. Refinance fees and seasoning periods (typically 6–12 months) are not modeled. When Effective Cash-in-Deal ≤ 0 (i.e. you pulled all your capital back out), the return is \"infinite\" by convention and we show ∞.", "modelsLink": "See all investment models we support →", "errArv": "Enter a valid ARV and rehab cost to run the BRRRR calculation.", "verdictInfinite": "Textbook BRRRR — you recover 100% of your capital and your cash-on-cash return is effectively infinite. This is the strategy's ideal outcome.", "verdictStrong": "Strong BRRRR deal — {coc}% cash-on-cash with only {cash} left in the property. The refinance unlocks most of your capital for the next deal.", "verdictModerate": "Workable BRRRR — {coc}% cash-on-cash with {cash} left in. Acceptable, but the refinance doesn't fully recycle your capital.", "verdictWeak": "Weak BRRRR — {coc}% cash-on-cash with {cash} stuck in the deal. The strategy only makes sense if you can push the ARV higher.", "verdictBad": "Negative cash-on-cash after refinance with {cash} stuck in. The numbers don't support the BRRRR strategy here — reconsider the rehab budget or ARV assumption." }, "leadCapture": { "title": "Speak to a Financing Expert", "sub": "Our network of mortgage advisors can help you secure the best rates for your investment property.", "firstName": "First Name", "lastName": "Last Name", "email": "Email Address", "phone": "Phone Number", "consent": "I would like to be contacted regarding financing options.", "submit": "Request Financing Advice", "privacy": "Your information is handled with care. We will never share your details without consent. Privacy Policy.", "thanksTitle": "Thank you!", "thanksSub": "A financing advisor will be in touch shortly. We look forward to helping you with your investment." }, "errors": { "location": "Please enter the property location.", "price": "Please enter a property price.", "rent": "Please enter expected rent.", "down": "Enter 0–100.", "rate": "Please enter a rate.", "required": "Required.", "validEmail": "Enter a valid email.", "fillMinimum": "Please fill in at least the price and expected monthly rent before analyzing.", "extractServer": "Server error ({status}). Please enter details manually.", "extractFailed": "Could not extract data. Please enter details manually.", "extractNotFound": "Could not find property data on this page. Please enter details manually.", "marketApiUnavailable": "Estimated — market API unavailable" }, "score": { "excellent": "Excellent", "good": "Good", "fair": "Fair", "poor": "Poor", "descExcellent": "Strong fundamentals. Meets investor criteria.", "descGood": "Solid metrics with good income potential.", "descFair": "Average investment. Consider negotiating price.", "descPoor": "Below standard. Review financials carefully." }, "classify": { "hybridLabel": "Hybrid Investment", "cashflowLabel": "Cashflow Asset", "appreciationLabel": "Appreciation Asset", "poorLabel": "Poor Investment", "valueAddLabel": "Value-Add Opportunity", "hybridBoth": "Both engines active — monthly income AND long-term capital growth. Rare in high-price markets.", "cashflowStrong": "Income engine. The property pays you monthly. Strategy: hold, collect rent, refinance when rates drop.", "appreciationStrong": "Capital growth engine. Monthly cashflow is secondary — the real return comes from price appreciation over 5–10 years. Common in high-price Nordic, UK and core EU markets.", "hybridBalanced": "Balanced engines — decent income with strong market appreciation. A solid hold-and-grow strategy.", "cashflowAboveAvg": "Above-market yield drives the return. Monitor expenses carefully to protect the income margin.", "poorEngine": "No strong engine identified at current numbers. Neither the rent nor the market growth justifies the price. Negotiate harder or find a different property.", "valueAddEngine": "Return must be engineered — through renovation to boost rent, smarter financing to cut costs, or a below-market purchase. The numbers work if you create the edge." }, "aiSummary": { "classifiedAs": "This property is classified as a {label}. {wealthEngine}", "cfStrong": "The monthly cash flow of +{amount} is strong — rent more than covers all costs, giving you a real income buffer.", "cfPositive": "Monthly cash flow is +{amount} — positive but slim. A single vacancy month or rate hike could flip it negative, so maintain a reserve fund.", "cfMildNeg": "Monthly cash flow is {amount}. You'd top up {shortfall}/month from other income. This is acceptable only if the appreciation story holds.", "cfBadNeg": "A monthly shortfall of {shortfall} is significant. At {yield}% yield, the rent does not come close to covering costs at these financing terms.", "mktStrong": "The {location} market has historically appreciated at ~{rate}%/year. At that rate, a {price} property could be worth approximately {value5yr} in 5 years — a compelling capital growth story independent of rental income.", "mktSteady": "{location} shows steady appreciation of ~{rate}%/year. This supports a long-term hold strategy even if monthly cashflow is thin.", "mktModerate": "Market appreciation in {location} is moderate at ~{rate}%/year. The investment relies more heavily on rental income to justify the capital deployed.", "recoViable": "Recommendation: viable investment with clear income upside. Stress-test your numbers at a rate +2% higher and ensure you can carry 1–2 months vacancy. Consult a mortgage advisor to optimise your financing structure.", "recoLongHold": "Recommendation: viable long-term hold, but this is not an income play. You need staying power — plan for at least a 5–7 year horizon and ensure the shortfall is manageable within your budget. Do not rely on this property for monthly cash.", "recoValueAdd": "Recommendation: conditional opportunity. Before committing, identify the specific value-add angle — can you increase rent through renovation? Buy below market? Restructure financing? Without a clear edge, the returns are insufficient.", "recoReject": "Recommendation: do not proceed at current terms. Explore renegotiating the price, increasing rent assumptions, or finding a property with stronger fundamentals in this or an adjacent market." }, "countries": { "placeholder": "Where are you investing from?", "groups": { "nordics": "Nordics", "europe": "Europe", "northAmerica": "North America", "other": "Other" }, "list": { "denmark": "Denmark", "norway": "Norway", "sweden": "Sweden", "finland": "Finland", "iceland": "Iceland", "germany": "Germany", "netherlands": "Netherlands", "uk": "United Kingdom", "france": "France", "spain": "Spain", "italy": "Italy", "switzerland": "Switzerland", "austria": "Austria", "belgium": "Belgium", "ireland": "Ireland", "poland": "Poland", "portugal": "Portugal", "usa": "United States", "canada": "Canada", "australia": "Australia", "uae": "United Arab Emirates", "singapore": "Singapore", "other": "Other" } } }