Marina · Barcelona
Fictional example of a property holding company refurbishing four homes for rental. Funding is backed by its residential portfolio, with an exit through rental income and longer-term financing.
Fictional example. Amounts, timelines and outcomes are simulated. This is not a transaction completed by CIMBRA or a finance offer.
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THE TRANSACTION IN FIGURES
The example in figures.
- Funding
- 320,000 €
- Collateral value
- 800,000 €
- LTV
- 40.0 %
- Term
- 36 months
- Collateral
- Company-owned residential portfolio
- Location
- Barcelona
- Profile
- Property holding company
- Purpose
- Refurbish homes and prepare them for rental
- Area / capacity
- 4 homes · 360 m²
- Days to completion
- 26
- Exit
- Rental income and long-term refinancing
- Status
- Repaid
LTV = funding / collateral value. Where available, days are counted from receipt of complete documents.
SIMULATED SCENARIO
The starting point
The homes require investment before generating the forecast rents. This scenario separates refurbishment costs, preparation costs and the period needed to secure tenants.
The structure
The example models €320,000 against collateral valued at €800,000, with 40% LTV over 36 months. The structure combines refurbishment monitoring with assessment of expected rental cash flow.
The outcome
The simulation assumes completion in 26 days, refurbishment over six months and rental stabilisation thereafter. Refinancing is assumed in month twenty-four. Occupancy and repayment are hypotheses, not verified events.
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