The objective : to invest intelligently
When Sophie, 38, an executive in a digital marketing company, decided to invest in rental property, her objective was clear : to build up a lasting asset base while generating additional income. Already the owner of her main residence, she wanted to take advantage of the still reasonable interest rates and her borrowing capacity to launch her project.
She spotted a 2-room apartment in Nantes, in a fast-growing district, offered at €168,000. It needs some work, but the location is ideal for student or short-term rental. She estimates she could rent it for €650/month.
But to make a success of her investment, Sophie knows she needs to optimize her financing. She contacted Garantia Credit to benefit from a tailor-made solution.
Understanding the challenges of rental financing
Investing in rental property is not something you can improvise. In addition to the purchase, you need to think ahead :
Net profitability of the project
Monthly repayments
Any work required
Notary fees
And the associated tax implications
Our role : to help Sophie choose the most suitable loan to maximize her return while limiting the risks.
Simulation and file preparation
Sophie has a deposit of €20,000, which she would like to set aside solely to cover notary fees and part of the works. She plans to finance the entire purchase via a rental property loan.
After analyzing her financial situation (income, expenses, level of indebtedness, professional stability), we validate a financing plan together:
Property price : €168,000
Work : €12,000
Notary fees : €13,000
Personal contribution : €20,000
Loan amount requested : €173,000
All this over a 20-year term, with one objective in mind : controlled monthly payments and a competitive interest rate.
Strategic choice of loan type
We offer Sophie two options :
A traditional fixed-rate amortizable loan, providing security over the term.
A bullet loan, where only the interest is repaid each month, with the capital repaid at the end – riskier but tax-optimized.
After analysis, we opt for a fixed-rate amortizable loan of 3.1% over 20 years, with monthly payments of around €960/month.
This choice guarantees :
Regular capital repayments
Greater budget stability
And the possibility of revaluing the property over the long term.
Profitability : the right balance
To assess the return on investment, we help Sophie calculate :
Estimated gross monthly rent : €650
Monthly mortgage payment : €960
Annual charges (co-ownership, taxes, maintenance) : ~€1,200
Annual rental income : €7,800
Cost of loan over 20 years : ~€60,000 in interest
Optimization strategy :
🔹 Amortize work to save tax
🔹 Rent furnished to benefit from the LMNP regime (Location Meublée Non Professionnelle)
🔹 Benefit from a flat-rate allowance on income
🔹 Revise the rent every year according to the IRL (rent reference index).
Sophie chooses to rent furnished and opt for the simplified real estate regime, which allows her to deduct all expenses, loan interest, and depreciation.
The result : an optimized net yield of around 4.3%, with low taxation.
The speed and fluidity of the process
We enable you to :
✅ Simulate credit through one of our agents
✅ Submit documents via a secure area
✅ Obtain an agreement in principle within 72 hours
Thanks to her responsiveness, Sophie transmits all the requested documents (identity, income, sales agreement, work estimates…). The analysis is rapid : a loan offer is issued in 8 days, with an electronic signature.
The notary received the funds on time, and the sale was completed without delay.
Post-financing support
Even after the funds have been made available, Garantia Credit remains present. Sophie receives advice on :
Managing rent calls
Optimize tax returns
Prepare for eventual resale or asset arbitrage.
A year later, Sophie is considering a second rental investment, thanks to the increase in value of her property and the success of her first operation.
What we can learn from this case
The success of this project depends on several factors :
💡 A good knowledge of the market (choice of neighborhood, rental potential)
💡 Tax optimization from the outset
💡 An adapted credit strategy (duration, rate, type of loan)
💡 Customized support at every stage of financing
💡 Rigorous management of work and rental
Sophie wouldn’t have been able to achieve this level of profitability without a loan package tailored to her profile and asset objectives.
Why optimize your rental investment loan?
Poorly structured credit can have a major impact on profitability. Choosing the right term, the right rate and the right package will :
Limit monthly savings
Reduce the tax burden
Increase net profitability
Preserve future borrowing capacity
Encourage medium-term asset management.
Our role is to help you borrow intelligently, taking into account your situation, your objectives and the market.
In conclusion
Thanks to a well-thought-out financing strategy, Sophie has successfully completed her first rental investment with optimized returns and peace of mind. Credit, far from being a simple payment tool, is here a performance lever.
Like her, you can turn a real estate project into a real asset driver, provided you structure your financing properly.
Do you have a rental project in mind? Contact our team for a personalized simulation and tailored advice. A well-structured loan is a successful project.
