Business Plan Locatif

Business Plan Locatif is a free, no-signup online simulator that helps individuals build a complete business plan for a rental property investment. It covers profitability (gross and net yield), taxation (meublé au réel, marginal tax bracket), monthly cash-flow after tax, resale scenarios, and debt ratios such as the HCSF debt-to-income rate, payment shock and remaining disposable income. The tool calculates notary fees automatically by department and updates its calculations to the 2026 tax rules.

The workflow follows the reasoning of a bank credit analyst in four steps: describe the property and its financing (price, works, furniture, down payment, loan rate, duration and insurance), add rents, vacancy, charges and personal income and existing loans, review the tax situation, then model the exit. Users can start from one of three example projects or enter their own listing. The result can be exported as a PDF file intended to be shared with a banker. Guides, FAQ and a option to have a project reviewed by a professional are also provided.

The product is aimed at first-time and experienced small landlords in France who want to test an investment before committing, and at buyers who need a structured, bank-ready dossier to support a mortgage application. It is published by the real estate investment firm Montclair.