Terraced house in Bensafrim
Terraced house in Bensafrim — image 2Terraced house in Bensafrim — image 3Terraced house in Bensafrim — image 4Terraced house in Bensafrim — image 5
Grade C+villabudget

Terraced house in Bensafrim

Lagos · Western Algarve ·

€175,000

Asking Price (EUR)

1.3%

True Net Yield (Owner, all-in)

0.9%

True Net Yield (Managed, all-in)

2.0%

True Gross Yield

23%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.75, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €5,496/yr
Average Daily Rate: €67
Payback Period: 39.8 years
5-yr Capital Value: €229,947
10-yr Capital Value: €279,766
Brixfox Score: 47 / 100
Comparable Properties: 5
Data Confidence: 63%
Search Radius: 4 km

True Investment Cost

Portuguese transfer tax (IMT) + stamp duty (IS) + notary + registration + legal + renovation + full furnishing & STR launch setup.

€274,673

+57.0% over asking

Asking price€175,000
IMT — Property transfer tax (investment schedule)€3,548
IS — Stamp duty (0.8%)€1,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€2,625
Total acquisition costs€8,823
Renovation (est. €900/m² × 80 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€72,000
(€56,000–€88,000)
Furnishing & STR launch (2bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€18,850
All-in investment (incl. renovation & furnishing)€274,673

Gross yield (asking price)

3.1%

True gross yield (all-in)

2.0%

Estimates use Portugal's investment IMT schedule (non-permanent residence). Actual notary & legal vary; budget +€500–1,000 for surveyor, due-diligence and bank-mortgage fees if financing. Renovation cost is a heuristic on property condition × m² — verify with a site visit. Furnishing uses finish-level-tiered rates covering beds, living, kitchen, electronics, AL licence, linens & professional photography. Working capital (2-3 months operating buffer) not included.

Bedrooms: 2
Bathrooms: 2
Building: 80 m²
Land: 40 m²
Style: dated
Condition: needs-renovation
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

stone-clad-exterior-accentswood-burning-stove-fireplace

Score Breakdown

ROI
10.59
Visual Appeal
6.4
Ownership Security
13
Location
10.44
Land & Space
1.31
Rental Demand
2.26
Payback Speed
0
STR Suitability
3

Description

Excellent investment opportunity in Bensafrim, a house to renovate and generate income. Ideal for a small family looking for tranquility without giving up proximity to the city. With a total area of 80m² distributed over two floors, the ground floor consists of a living room and kitchen. On the first floor, the propert

Location

📍 37.1028°N, 8.6731°W

· Lagos, Algarve, Portugal

View on ERA Lagos →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Terraced house in Bensafrim

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
80 m²
Land Plot
40 m²
Tenure
Freehold
Yield Curve Status

Grade C+ investment — short-term rental yields 2.0% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score47
GradeC+
Brixfox Intelligence
47C+Moderate
Score Breakdown
ROI & Yield52%
Capital Growth49%
Risk Profile50%
Market Demand47%

The Brixfox Score is our proprietary AI-powered rating that evaluates rental ROI, capital appreciation potential, risk factors, and local market dynamics to give you a single investment quality metric.

Pro members get full score breakdown with AI recommendations
Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+7.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$48K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.0%
$316/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
12 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
50.1 yr
Rental only

Property details

Energy: E
Condition: needs-renovation

Description

Excellent investment opportunity in Bensafrim, a house to renovate and generate income. Ideal for a small family looking for tranquility without giving up proximity to the city. With a total area of 80m² distributed over two floors, the ground floor consists of a living room and kitchen. On the first floor, the propert

Income Breakdown

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Nightly Rate (ADR)
$96/night
50% ($44)Brixfox estimate($96/night)200% ($177)
Occupancy
23%
10%Brixfox estimate(23%)100%

Short-Term Rental

Yearly income
$3,795
Airbnb data$96/night · 23% occupancy
Rental income
$96/night · 23% occ.
$7,939
Running costs (20%)
Utilities, cleaning, maintenance
-$1,588
Income tax (10%)
Indonesian rental income tax
-$2,223
Property tax
Annual property tax
-$333
Net income
2.0% ROI
$3,795

Long-Term Rental

No long-term rental data available

Not enough comparable rentals in this area

True all-in investment

What the headline asking price actually costs once mandatory taxes, fees, renovation, and furnishing are added. Yields rebased onto this number — closer to what you'll really earn against what you'll really pay.

Asking price$190,217
IMT (transfer tax, investment schedule)$3,857
Imposto de Selo (stamp duty)$1,522
Notary & registration$1,359
Legal / due diligence$2,853
Total acquisition costs$9,590
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$78,261
($60,870–$95,652)
Furnishing & STR launch
2bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$18,315
All-in investment$296,384

Gross yield (asking)

4.2%

True gross yield (all-in)

2.7%

Estimates use Portugal's standard transfer tax + typical legal/notary defaults. Verify with local counsel before committing — actual fees vary by deal structure.

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$844K$633K$422K$211K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $175K
Capital appreciation
Property value growing at +4%/yr based on Lagos market trends.
Rental income
Cumulative net rental earnings collected over time, growing with annual revenue increases.
Total return
Capital value + rental income. Your actual total position if you sold and kept all rent.
2x return
Year 14: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$213K
+22%
Rental Income
+$19K
Total Position
$231K
+32%
5.8%/yr
Year 10
Capital Value
$259K
+48%
Rental Income
+$40K
Total Position
$299K
+71%
5.5%/yr
Year 20
Capital Value
$383K
+119%
Rental Income
+$94K
Total Position
$477K
+173%
5.1%/yr
Year 30
Capital Value
$568K
+224%
Rental Income
+$166K
Total Position
$734K
+319%
4.9%/yr

Location

Lagos

Western Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.0% annual return
Occupancy
Weak
23% average occupancy
Nightly Rate
Average
$89 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Weak
40 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 2.0% is below the market average — model your cashflow carefully

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
3.7%
$588/mo
40% occ.
5.0%
$793/mo
23% occ.
2.7%
$435/mo
current
33% occ.
4.0%
$641/mo

Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Includes 10% Indonesian rental tax (PPh) and annual property tax (PBB). Market factors in Portugal may impact actual yields.