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Scenario Comparison

This guide shows how to compare different investment scenarios using the sensitivity matrix and profile comparison features.

Use Case: Finding the Right Price Point​

You're searching for properties in an area where prices range from €100,000 to €200,000, and rents are typically €900-1,100/month.

Generate a Price Matrix​

mortgage-cli matrix --price-min 100000 --price-max 200000 --rent 1000
Sensitivity Matrix - Break-even Rent (Target: €1,000/month)
┏━━━━━━━━━━━┳━━━━━━━━━━━┳━━━━━━━━━━━┳━━━━━━━━━━━┳━━━━━━━━━━━┳━━━━━━━━━━━┳━━━━━━━━━━━┓
┃ Down %    ┃ €100,000  ┃ €120,000  ┃ €140,000  ┃ €160,000  ┃ €180,000  ┃ €200,000  ┃
┡━━━━━━━━━━━╇━━━━━━━━━━━╇━━━━━━━━━━━╇━━━━━━━━━━━╇━━━━━━━━━━━╇━━━━━━━━━━━╇━━━━━━━━━━━┩
│ 10%       │ €800      │ €910      │ €1,021    │ €1,131    │ €1,242    │ €1,352    │
│ 15%       │ €770      │ €874      │ €978      │ €1,082    │ €1,186    │ €1,290    │
│ 20%       │ €739      │ €837      │ €935      │ €1,033    │ €1,130    │ €1,228    │
│ 25%       │ €708      │ €800      │ €892      │ €983      │ €1,075    │ €1,167    │
│ 30%       │ €678      │ €763      │ €849      │ €934      │ €1,020    │ €1,105    │
│ 35%       │ €647      │ €727      │ €806      │ €885      │ €964      │ €1,044    │
│ 40%       │ €616      │ €690      │ €763      │ €836      │ €909      │ €982      │
└───────────┴───────────┴───────────┴───────────┴───────────┴───────────┴───────────┘

Reading the Matrix​

  • GREEN cells: Good investments (break-even < €900)
  • YELLOW cells: Marginal (€900-1,000)
  • RED cells: Poor investments (> €1,000)

From this matrix, you can see:

  • Properties up to €140,000 with 20% down are viable
  • Properties up to €160,000 need 25-30% down to be viable
  • €200,000 properties require 40%+ down to break even under €1,000

Get Top Opportunities​

mortgage-cli matrix --price-min 100000 --price-max 200000 --rent 1000 --output summary
SENSITIVITY ANALYSIS SUMMARY
==================================================

Analyzed 42 price/down-payment combinations:
  - 15 good opportunities (green)
  - 8 marginal opportunities (yellow)
  - 19 poor opportunities (red)

Top opportunities (lowest break-even rent):
  1. €100,000 with 40% down - break-even: €616/month
  2. €100,000 with 35% down - break-even: €647/month
  3. €100,000 with 30% down - break-even: €678/month

Use Case: Stress Testing with Profiles​

Create profiles for different scenarios to stress-test your investment.

1. Create Profiles​

# Conservative profile (higher rates, costs)
mortgage-cli profile create conservative -d "Higher rates and costs"

# Optimistic profile (lower rates)
mortgage-cli profile create optimistic -d "Best case scenario"

2. Edit the Profiles​

Edit ~/.config/mortgage-cli/profiles/conservative.yaml:

name: conservative
description: Higher rates and costs

mortgage:
  interest_rate: 0.05      # 5% instead of 4%
  insurance_rate: 0.004
  duration_years: 20
  default_down_payment: 0.2

monthly_costs:
  property_tax: 120        # Higher tax
  insurance: 40
  maintenance: 80          # Larger reserve
  management: 0

Edit ~/.config/mortgage-cli/profiles/optimistic.yaml:

name: optimistic
description: Best case scenario

mortgage:
  interest_rate: 0.035     # 3.5%
  insurance_rate: 0.003    # Lower insurance
  duration_years: 25       # Longer term
  default_down_payment: 0.2

monthly_costs:
  property_tax: 80
  insurance: 25
  maintenance: 40
  management: 0

3. Compare Profiles​

mortgage-cli profile compare --price 150000 --rent 900 --profiles optimistic,default,conservative
Profile Comparison - €150,000 @ €900/month
┏━━━━━━━━━━━━━━━┳━━━━━━━━━━━━━━━━━┳━━━━━━━━━━━━━━━┳━━━━━━━━━━┓
┃ Profile       ┃ Break-even Rent ┃ Cash-on-Cash  ┃ Verdict  ┃
┡━━━━━━━━━━━━━━━╇━━━━━━━━━━━━━━━━━╇━━━━━━━━━━━━━━━╇━━━━━━━━━━┩
│ optimistic    │ €780/month      │ 4.2%          │ GREEN    │
│ default       │ €885/month      │ 0.5%          │ GREEN    │
│ conservative  │ €990/month      │ -3.1%         │ YELLOW   │
└───────────────┴─────────────────┴───────────────┴──────────┘

4. Interpretation​

ScenarioBreak-evenAssessment
Optimistic€780Comfortable margin, good investment
Default€885Viable, thin margins
Conservative€990Barely viable, negative cash flow

Risk Assessment: This property works under normal assumptions but becomes marginal if interest rates rise or costs increase. Consider negotiating a lower price or finding a property with better fundamentals.

Use Case: Budget Optimization​

You have exactly €40,000 to invest. Find the maximum property price.

Check Budget Constraints​

mortgage-cli matrix --price-min 120000 --price-max 180000 --price-step 10000 --output json | grep within_budget

Or visually check each price point:

for price in 120000 130000 140000 150000 160000; do
  echo "=== €$price ==="
  mortgage-cli analyze --price $price --rent 900 --output summary | grep -A1 "upfront"
done

Results​

PriceUpfront CostsWithin €40k Budget?
€120,000€28,300Yes
€130,000€30,450Yes
€140,000€32,600Yes
€150,000€34,750Yes
€160,000€36,900Yes
€170,000€39,050Yes
€180,000€41,200No

Maximum price within budget: ~€175,000 with 20% down.

Exporting for Further Analysis​

Export Matrix to CSV​

mortgage-cli matrix --price-min 100000 --price-max 200000 --output csv > matrix.csv

Open in Excel or Google Sheets for custom analysis.

Export to JSON for Programming​

mortgage-cli matrix --price-min 100000 --price-max 200000 --output json > matrix.json

Use with Python, JavaScript, or other tools for custom visualizations.