Profiles

Profiles allow you to save and reuse different sets of investment parameters. This is useful for:

• Different property markets (Paris vs provinces)
• Different risk tolerances (conservative vs optimistic)
• Different loan scenarios (varying interest rates)

Profile Location

Profiles are stored as YAML files in:

~/.config/mortgage-cli/profiles/

On macOS/Linux, this expands to /Users/yourname/.config/mortgage-cli/profiles/.

Default Profile

The built-in default profile contains typical French rental investment parameters:

name: default
description: Default French rental investment profile

mortgage:
  interest_rate: 0.04      # 4.0% annual interest
  insurance_rate: 0.004    # 0.4% mortgage insurance
  duration_years: 20       # 20-year term
  default_down_payment: 0.2  # 20% down payment

budget:
  total_available: 50000   # €50,000 available capital
  target_rent: 1000        # €1,000/month target rent

monthly_costs:
  property_tax: 100        # €100/month property tax
  insurance: 30            # €30/month building insurance
  maintenance: 50          # €50/month maintenance reserve
  management: 0            # €0/month (self-managed)

purchase_costs:
  notary_legal:
    type: percentage
    value: 0.015           # 1.5% of purchase price
  bank_arrangement:
    type: percentage
    value: 0.01            # 1.0% of purchase price
  survey_valuation:
    type: fixed
    value: 750             # €750 flat fee
  mortgage_broker:
    type: fixed
    value: 0
  other:
    type: fixed
    value: 0

thresholds:
  green_below: 0.9         # Green if break-even < 90% of target
  yellow_below: 1.0        # Yellow if break-even < 100% of target

Creating a Profile

Using the CLI

mortgage-cli profile create myprofile --description "My custom profile" --base default

This creates a copy of the default profile that you can customize.

Manual Creation

Create a new YAML file in the profiles directory:

touch ~/.config/mortgage-cli/profiles/myprofile.yaml

Then edit it with your preferred settings.

Editing a Profile

Open the profile in your text editor:

# Using nano
nano ~/.config/mortgage-cli/profiles/myprofile.yaml

# Using VS Code
code ~/.config/mortgage-cli/profiles/myprofile.yaml

Common Customizations

Higher Interest Rate (Conservative)

mortgage:
  interest_rate: 0.05      # 5.0% instead of 4.0%

Higher Monthly Costs

monthly_costs:
  property_tax: 150        # Higher property tax
  insurance: 50            # Higher insurance
  maintenance: 100         # Larger maintenance reserve
  management: 80           # Professional management (8% of rent)

Different Thresholds

thresholds:
  green_below: 0.85        # More conservative: green only if < 85%
  yellow_below: 0.95       # Yellow up to 95%

Paris Market Profile

name: paris
description: Paris property market parameters

mortgage:
  interest_rate: 0.04
  insurance_rate: 0.004
  duration_years: 25       # Longer term for expensive properties
  default_down_payment: 0.25  # Higher down payment typical

budget:
  total_available: 100000  # More capital needed
  target_rent: 1500        # Higher rents in Paris

monthly_costs:
  property_tax: 80         # Lower per sqm in Paris
  insurance: 40
  maintenance: 100         # Older buildings need more
  management: 120          # Professional management common

Using Profiles

Specify Profile in Commands

# Use a specific profile
mortgage-cli analyze --price 200000 --rent 1200 --profile paris

# Use default profile (implicit)
mortgage-cli analyze --price 150000 --rent 900

Compare Profiles

mortgage-cli profile compare --price 150000 --rent 900 --profiles default,conservative,paris

Profile Schema Reference

mortgage

Field	Type	Description
interest_rate	float	Annual interest rate (0.04 = 4%)
insurance_rate	float	Annual mortgage insurance rate
duration_years	int	Loan term in years
default_down_payment	float	Default down payment percentage

budget

Field	Type	Description
total_available	float	Total available capital (€)
target_rent	float	Target monthly rent (€)

monthly_costs

Field	Type	Description
property_tax	float	Monthly property tax (€)
insurance	float	Monthly building insurance (€)
maintenance	float	Monthly maintenance reserve (€)
management	float	Monthly management fees (€)

purchase_costs

Each cost can be percentage or fixed:

# Percentage of purchase price
notary_legal:
  type: percentage
  value: 0.015    # 1.5%

# Fixed amount
survey_valuation:
  type: fixed
  value: 750      # €750

Field	Description
notary_legal	Notary and legal fees
bank_arrangement	Bank/mortgage setup fees
survey_valuation	Property survey/valuation
mortgage_broker	Broker fees (if applicable)
other	Any other purchase costs

thresholds

Field	Type	Description
green_below	float	Verdict is GREEN if break-even < this × target
yellow_below	float	Verdict is YELLOW if break-even < this × target