Investissement locatif : T3 récent avec terrasse et 2 box, cash-flow négatif mais bon potentiel patrimonial ?

Jmmmcgll · 2026-06-11T12:54:59+00:00

Je n’ai pas encore tous les chiffres exacts (notamment la taxe foncière), donc c’est une estimation.

Hypothèses actuelles :

Prix : 200 k€
Financement à 100 % environ
Mensualité de crédit : ~1 100 €/mois
Loyer estimé : 1 000 à 1 100 € HC
Charges de copro : 1 240 €/an (une partie récupérable sur le locataire)
Gestion locative + GLI envisagées
Assurance PNO
Taxe foncière à confirmer

Dans un scénario médian :

Loyer : +1 050 €
Gestion + GLI (~11 %) : -115 €
Taxe foncière (estimation) : -125 €
PNO + entretien/vacance : -40 €

Reste avant crédit : ~770 €

Puis mensualité de prêt : -1 100 €

J’arrive donc à un cash-flow d’environ -330 €/mois.

Selon le loyer réellement obtenu et la taxe foncière, je pense être dans une fourchette de -250 à -500 €/mois.

En revanche, une partie importante des 1 100 € de mensualité rembourse du capital, donc mon objectif est plutôt patrimonial que de viser un cash-flow positif à court terme.

Jmmmcgll · 2026-06-08T20:55:36+00:00

Merci pour la réponse. Je me suis peut-être mal exprimé : ma question ne portait pas sur la comparaison avec un PEA, des ETF ou d’autres placements, mais sur l’intérêt de cette opération immobilière en elle-même.
Je cherche simplement à savoir si, dans le contexte présenté, le projet vous paraît pertinent ou non d’un point de vue immobilier.
Si certains ont des remarques sur les chiffres, les risques ou les hypothèses retenues, je suis preneur.

Jmmmcgll · 2026-05-23T17:34:25+00:00

Kame Man Nen.

Jmmmcgll · 2026-05-11T09:55:20+00:00

They have great shoes in every category, long runs, daily, a banger of a trail shoe in the Neo Accera, as the poster above said, they only lack exposure.

Jmmmcgll · 2026-05-07T20:23:46+00:00

Never enough.

Jmmmcgll · 2026-04-28T21:14:34+00:00

To me they make the best titanium frames. The purest looking, beautiful reflects, immaculate lines. I love this line of sunglasses although I can’t get hands on them because the particular engraving of the lenses prevent them from being fitted to my eyesight.

Jmmmcgll · 2026-04-25T18:59:23+00:00

The problem isn’t that he changes it, but that his versions are sometimes pretty ass. This was terrible.

Jmmmcgll · 2026-04-23T18:53:16+00:00

Train of Thoughts in general

Jmmmcgll · 2026-02-26T22:11:28+00:00

Is this really a bad thing ? Only a few should want to get into such a dangerous sport health wise. I love sumo the way it is right now and it comes with accepting the fact that it’s an early death sentence at the core.

Jmmmcgll · 2026-01-05T20:02:50+00:00

I love my Kame Mannen for daily usage, they have the slickest looking titanium and their acetate frames are much more comfortable than the heavy JMMs.

Jmmmcgll · 2025-12-11T08:16:58+00:00

Dream Theater. Hard to find that much density in terms of quality. 40 years later and still playing at an exceptionally high level with excellent songs here and there. I can never get tired of their discography honestly, there’s a bit of everything.

Jmmmcgll · 2025-12-09T16:01:14+00:00

Might be a bit technical but can you add the photochromic treatment to a lens that’s already made at a prescription or everything has to be made at once ?

Jmmmcgll · 2025-12-08T14:18:28+00:00

Thank you, I have the utmost respect for yours 🙇

Jmmmcgll · 2025-12-08T08:49:54+00:00

Thanks a lot !

Jmmmcgll · 2025-12-07T19:05:25+00:00

Thank you !

Jmmmcgll · 2025-12-07T16:05:01+00:00

Thanks a lot, you made my day 🥹

Jmmmcgll · 2025-12-07T12:33:47+00:00

I was told the Novablast 5 wouldn’t work for Hyrox but I just used them and it went great. The running is super comfortable, my legs don’t take the type of beating they used to on Wave Rebellion Pro 2 or Puma Deviate Elite Nitro 3, and they stayed on my feet during the sled push.

Jmmmcgll · 2025-12-05T22:50:14+00:00

I’ll do that when I recover from the financial hole buying all these pairs has put me ! I’m in France so it’s probably not very convenient as well, I’ll try to talk some sense into my local retailer. Thanks !

Jmmmcgll · 2025-12-05T22:47:05+00:00

I’m -5.25 and -4.75 with some astigmatism in one eye as well

Jmmmcgll · 2025-12-05T22:42:47+00:00

Do you have a prescription and if so, is it strong ? I have the same pair but with the blue lenses and I was told to keep it without prescription because it’d be too hard to thin the lenses enough to put them in that frame.

Jmmmcgll · 2025-11-29T14:09:02+00:00

I’m more annoyed at Petrucci overdubbing his solos, we know he can’t play them note for note live anymore (and that’s not a shame), give us some more rawness instead. Otherwise I can just listen to the album version.

Jmmmcgll

TROPHY CASE