Renovated 80 m² interior ground-floor apartment with two bedrooms and one bathroom in Campo del Sur, near the historic centre and Santa María del Mar beach.
Estimated monthly account
Rental income+€728/month
Mortgage 80% · 25 years · Euribor 2.95%−€717/month
Costs IBI, service charge, allowance · estimated−€33/month
Net cash flow−€22/month
Estimated up-front investment €54,150 · 20% deposit + 8.5% purchase costs includes 7.0% transfer tax in Andalucía; reduced rates may apply
Reference 046/25 · On Inmoblia since 3 September 2026 · Published by Encuentra Tu Vivienda
The property
Specifications
What the advert says about the property: floor area, layout, condition and registry details.
Some advert data is uncertain
We show the source-reported value for context, but exclude it from calculations until the conflicting evidence is resolved.
Type
Apartment
Built area
80 m²
Usable area
75 m²
Bedrooms
2
Bathrooms
1
Floor
planta baja
Condition
Good condition
Transaction type
Bare ownership
Aspect
Interior
Energy certificate
In progress
Fittings
Fittings and extras
What the property comes with and how much each item weighs in the “Property data” sub-score.
Air conditioning+3
Interior-facingFaces an internal courtyard−4
The advert also mentions:
Furnished kitchen
Concierge service
Near the historic centre
Near Santa María del Mar beach
Free text we could not normalise into a comparable attribute, so it does not score.
How these values score
The verdict
What the analysis sees
The specific signals the model finds in this property and its municipality, before going into the score in detail.
In favour
In good conditionNo renovation needed to put it on the rental market.
median 8 yearsyears of household income to pay for the home (€31,357/year)
28%Rent burden
median 33%annual rent as a share of household income · healthy below 30%
21.7 yearsPrice / Rent (PER)
median 28.4 yearsyears of rent to pay off the purchase · lower is cheaper relative to its rent
+1.0%Rent trajectory
0 = flataverage annual growth of the municipal rent index (INE)
7%Unemployment rate (approx.)
median 10%unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+3.6‰Net migration
median 12‰arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand
Registered unemployment
SEPE · yearly average
−10.5% interanual
Average gross income
AEAT · annual tax return
+3.3% interanual
Registered population
INE · yearly population register
0.0% interanual
Net international migration
INE · immigration − emigration · yearly
+9.1% interanual
Recorded offences
Ministry of the Interior · cumulative
+82.1% interanual
Recorded offences (municipalities over 20,000 residents only, from 2024) are territorial context: they do not label an area “safe” or “unsafe”, nor do they measure tenant risk.
Comparables
Similar properties nearby
Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.
They let for…
Comparable rentals in Cádiz, including those already let.
This is a shortlisting pass over the advert's data, not a due diligence report. Before deciding, check the points we cannot verify from here:
Possession: that it is vacant, with no squatters and no tenants on a live contract.
If it is let, the current rent, the type of contract and its expiry date.
The real state of repair and services (possible hidden renovation work) and a valid energy certificate.
The real service charge and, above all, whether any special levies are approved or pending: they appear in the minutes of the last owners' meetings.
The property's actual IBI: our figure is an estimate from the municipality's cadastral values, not the specific bill.
Charges, mortgages, seizures or easements in the Land Registry extract.
Context for the AI
Loading the context…
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