Financial analysis7 min read
How to calculate rental property yield
A practical guide to gross yield, net yield, rental costs and the difference between property yield and return on invested equity.
Wismeo articles
Practical guides for real estate investors
We write about metrics, financing, cash flow and decisions that shape the return and risk of a property portfolio.
Tax and rentals8 min read
Rental income tax return in Slovakia 2026: what landlords should know
A landlord-focused overview of Slovak rental income, the EUR 500 exemption, tax return timing and record keeping in 2026.
Portfolio metrics6 min read
What is cap rate and how to use it in real estate
A practical explanation of capitalization rate, the difference between cap rate and ROI, and a simple real estate calculation example.
Investment strategy8 min read
How to choose your first investment property
A practical framework for choosing a first investment property: location, tenant demand, financing, technical condition and holding plan.
Financing7 min read
Mortgage affordability calculation in Slovakia: how banks view investors
What affects mortgage affordability: income, existing loans, DTI, DSTI, LTV, rental income and bank-specific rules.
Financing7 min read
DSTI and DTI limits in Slovakia: what they mean for mortgages
A plain-language explanation of Slovak DSTI and DTI rules, their limits and their impact on investment property financing.
Rentals and documents7 min read
Apartment lease agreement in Slovakia: template points landlords should include
A practical checklist for apartment lease agreements: parties, rent, deposit, utilities, handover, repairs and termination.
Risk and protection6 min read
Insurance for rental property: what investors should cover
An overview of building, contents and liability insurance for rented apartments or houses, including underinsurance risk.
Financing7 min read
How to refinance a mortgage: when changing the loan makes sense
A practical guide to mortgage refinancing, comparing offers, including fees and understanding why a lower payment is not always a saving.
Automation6 min read
Enable Banking and account connection: how open banking works in Slovakia
An explanation of open banking, PSD2, secure account connection and how investors can automate rent payment matching.
Portfolio management6 min read
Repair fund and reserves: how much to set aside for a rental property
How property investors should think about building repair funds, private reserves, planned renovations and unexpected costs.
Market and forecasts8 min read
Slovakia real estate market 2026: an investor forecast
How investors can think about the Slovak real estate market in 2026: prices, rates, affordability, rental demand and portfolio risks.