Business Plan Locatif

Business Plan Locatif is a free, no-signup web simulator that helps French investors build a complete business plan for a rental property purchase. Users enter the property price, works and furniture costs, down payment, loan terms and insurance, then add rents, vacancy, non-recoverable charges, property tax, co-ownership fees, income and existing loans. The tool calculates total project cost, notary fees by department, gross and net yield, monthly cash-flow after tax, the HCSF debt ratio, payment shock and remaining living income, and it models the resale outcome. Calculators are kept current with the 2026 French tax rules, and the results can be exported as a PDF dossier to share with a banker.

The product is organized around a four-step workflow modeled on how a credit analyst reviews a project: the property and its financing, its operation, its taxation, and its exit. Users can start from one of three example projects or enter their own listing, and a quick simulation (for example, a furnished rental under the real regime with a 25-year loan) shows key metrics at a glance. Guides explaining how to present a business plan to a bank, along with an FAQ, support users who are new to real estate investing.

The tool is aimed at individual investors preparing a buy-to-let or furnished rental purchase in France, first-time landlords, and anyone who needs to justify a loan application to a bank. It is published by the real estate investment firm Montclair, which also offers a service where a professional can review the project.