T2 flat, Monte Fino, Monte Gordo, Vila Real de Santo António
Grade C+apartmentmid-range

T2 flat, Monte Fino, Monte Gordo, Vila Real de Santo António

VRSA/Monte Gordo · Eastern Algarve ·

€249,000

Asking Price (EUR)

2.2%

True Net Yield (Owner, all-in)

1.5%

True Net Yield (Managed, all-in)

3.4%

True Gross Yield

27%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 15% 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: €10,129/yr
Average Daily Rate: €101
Payback Period: 30.5 years
5-yr Capital Value: €327,182
10-yr Capital Value: €398,067
Brixfox Score: 51.3 / 100
Comparable Properties: 14
Data Confidence: 89%
Search Radius: 2 km

True Investment Cost

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

€294,039

+18.1% over asking

Asking price€249,000
IMT — Property transfer tax (investment schedule)€8,427
IS — Stamp duty (0.8%)€1,992
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€3,735
Total acquisition costs€15,404
Renovation (est. €55/m² × 87 m²)
Light touch-ups — paint, fixtures, deep clean.		€4,785
(€2,610–€6,960)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€24,850
All-in investment (incl. renovation & furnishing)€294,039

Gross yield (asking price)

4.1%

True gross yield (all-in)

3.4%

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
Building: 87 m²
Style: portuguese-traditional
Condition: good

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

arched balconiestraditional railings

Score Breakdown

ROI
11.65
Visual Appeal
10
Ownership Security
13
Location
7.2
Land & Space
3.74
Rental Demand
2.75
Payback Speed
0
STR Suitability
3

Description

Two-bedroom apartment located in Monte Fino, Monte Gordo, set within a building with a lift, on the 3rd floor, ideal for permanent residence, holidays, or investment. The property offers a functional layout, comprising two bedrooms, one bathroom, and well-optimised living areas, providing everyday comfort and practical

Location

📍 37.1810°N, 7.4480°W

· VRSA/Monte Gordo, Algarve, Portugal

View on Idealista.pt
Idealista.pt
VRSA/Monte Gordo / Eastern Algarve

T2 flat, Monte Fino, Monte Gordo, Vila Real de Santo António

Inventory
2 Beds
Bathrooms
0 Baths
Built Area
87 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade C+ investment — short-term rental yields 2.7% net return annually.

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The Investment

Brixfox Score51
GradeC+
Brixfox Intelligence
51C+Moderate
Score Breakdown
ROI & Yield56%
Capital Growth54%
Risk Profile53%
Market Demand51%

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
+6.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+3.8%
+$47K in 5yr (+19%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.7%
$600/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
14 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
37.6 yr
Rental only

Property details

Condition: good

Description

Two-bedroom apartment located in Monte Fino, Monte Gordo, set within a building with a lift, on the 3rd floor, ideal for permanent residence, holidays, or investment. The property offers a functional layout, comprising two bedrooms, one bathroom, and well-optimised living areas, providing everyday comfort and practical

Income Breakdown

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Nightly Rate (ADR)
$147/night
50% ($68)Brixfox estimate($147/night)200% ($271)
Occupancy
27%
10%Brixfox estimate(27%)100%

Short-Term Rental

Yearly income
$7,198
Airbnb data$147/night · 27% occupancy
Rental income
$147/night · 27% occ.
$14,753
Running costs (20%)
Utilities, cleaning, maintenance
-$2,951
Income tax (10%)
Indonesian rental income tax
-$4,131
Property tax
Annual property tax
-$474
Net income
2.7% ROI
$7,198

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$270,652
IMT (transfer tax, investment schedule)$9,160
Imposto de Selo (stamp duty)$2,165
Notary & registration$1,359
Legal / due diligence$4,060
Total acquisition costs$16,743
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$5,201
($2,837–$7,565)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$319,608

Gross yield (asking)

5.5%

True gross yield (all-in)

4.6%

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 VRSA/Monte Gordo.

$1.3M$968K$646K$323K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $249K
Capital appreciation
Property value growing at +4%/yr based on VRSA/Monte Gordo 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.
Paid back
Year 26: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$303K
+22%
Rental Income
+$35K
Total Position
$338K
+36%
6.3%/yr
Year 10
Capital Value
$369K
+48%
Rental Income
+$76K
Total Position
$444K
+79%
6.0%/yr
Year 20
Capital Value
$546K
+119%
Rental Income
+$178K
Total Position
$724K
+191%
5.5%/yr
Year 30
Capital Value
$808K
+224%
Rental Income
+$315K
Total Position
$1.1M
+351%
5.1%/yr

Location

VRSA/Monte Gordo

Eastern 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
2.7% annual return
Occupancy
Weak
27% average occupancy
Nightly Rate
Good
$135 per night
Visual Appeal
Average
4/10 instagrammability
Size & Space
Weak
0 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 2.7% 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.
4.0%
$900/mo
40% occ.
5.4%
$1,214/mo
27% occ.
3.6%
$821/mo
current
37% occ.
5.0%
$1,134/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.