Real Estate
Consulting

How Adrian found his first investment property with Finora, thanks to a clear strategy, professional due diligence, and seamless support all the way through to completion.

Real Estate Consulting
Adrian Customer Case Study
32 years
Software Engineer
First Investment property

Adrian's goals:

Adrian wanted three things: to structure his taxes and assets effectively, to invest in real assets (as a complement to his ETF portfolio), and to build long-term wealth for his family.

Adrian's challenge:

Adrian knew that real estate could be a strong foundation. But between his job, researching platforms, and reviewing property documents, it quickly became clear what was holding him back in practice: valuation, time, and confidence in his decision.

Lack of expertise

“How do I identify a sound investment, and how do I avoid costly mistakes?”

Time-consuming

Reviewing properties, understanding documents, and verifying figures—that takes a lot of time if you’re doing it on the side.

Fear of making the wrong decisions

The more uncertainty there is, the higher the barrier to entry, until eventually you don't invest at all.

From Analysis to Real Estate

A good investment doesn't start with an ad, but with your situation: your goals, liquidity, risk tolerance, and tax situation. That's exactly how we approached things with Adrian—first clarity, then the property.

Analysis by Finora

Before we set out together to find a suitable property, we analyzed Adrian’s overall situation:

Together, we developed a customized investment strategy that suited both his personal and financial circumstances.

  • Tax situation, income structure, liquidity
  • His financial goals, time horizon, and risk tolerance
  • Tax optimization opportunities within the investment strategy
  • A sensible investment framework

The Solution

Based on the strategy, we identified specific properties, conducted preliminary reviews, and pursued only those candidates that met Adrian's criteria. The review was conducted according to clear standards:

  • Micro/macro location and rentability
  • Potential for long-term value growth (from a conservative perspective)
  • Building structure, condition, and renovation history
  • Cost-effectiveness (rent, costs, buffer, scenarios)

Result

Adrian decided to purchase his first investment property. In this specific case, the following outcomes resulted, among others:

  • Due to the tax structuring, the property generated positive cash flow from day one in the model calculation
  • The venture was launched with €10,000 in equity (as planned at the time)
  • Based on conservative assumptions (e.g., 3% annual return), the 10-year projection indicated a potential profit in the high five-figure range
  • Historical performance data for the fund shows strong long-term returns, although this is no guarantee of future results

Spoiler

That first property was just the beginning for Adrian. Over the next two years, he expanded his portfolio by two more properties with our support.

The calculations

This is what Adrian’s investment looks like in the model calculation: transparent, easy to understand, and based on conservative assumptions.

Key figures

Purchase price €194,000
Equity €10,000
Debt capital €184,000

Profit on sale

Sale price in 10 years (3% per year) +260,720 €
Loan to Cover Remaining Debt -€161,568
Liquidity Trends +10,590€
Profit from sale +€109,743
Use of equity €10,000
Money-Multiple 11,0 x
Return on equity (ROE) per annum 27.1%
Potential profit (projection) +99.743€
€10,000 Equity used
+99.743 € Potential profit in 10 years (projection)
27.1% Return on equity (ROE) per annum
11,0x Money-Multiple
Adrian Fall

Adrian's case shows:

Real estate doesn't have to be complicated when strategy, due diligence, and execution are properly aligned.

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“Without Finora, I probably would never have dared to invest in real estate. Today, I have a portfolio that works for me, and that gives me tremendous peace of mind about my family’s future.”

Would you like to find out if an investment property is right for you?

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