€500,000 to Invest: RentFlow’s 5% Fixed Monthly Income vs. Buying a Buy-to-Let Property
- David Healy
- 7 days ago
- 2 min read
Updated: 6 days ago
If you have €500,000 to invest, the question often becomes:“Should I buy a rental property or invest in a passive income product like RentFlow’s Fixed Monthly Income?”The answer depends on what matters most to you: stability, time, effort, or risk. RentFlow’s product offers consistent returns with far less complexity—plus one powerful edge: built-in diversification.
Performance Snapshot: €500,000 Over 3 Years
InvestmentType | Term | Annual Return | Total Return | Monthly Income | Risk Exposure |
RentFlow Income Note | 3 years | 5% (fixed) | €575,000 | €2,083 | Diversified |
Buy-to-Let Property | 3 years* | 4–6% (net est.) | €545,000–€560,000 | €2,000–€2,500 | Concentrated |
*Based on average Dublin city yields (net of fees/tax/voids). Assumes flat property prices.
Why RentFlow’s Fixed Monthly Income Stands Out
1. Diversified Portfolio = Lower Risk
When you invest in RentFlow, your capital is deployed across a portfolio of income-generating properties, not just one. That means:
If a tenant in one unit misses rent, your income is unaffected.
Your exposure is spread across locations, units, and demographics.
Vacancy or arrears in one property doesn’t impact your full return.
Compare that with a single buy-to-let:
If your one tenant stops paying, you lose 100% of your income—and must still cover mortgage, maintenance, and taxes.
2. Fixed Monthly Income, Paid Like Clockwork
Earn 5% per year, paid monthly
That’s €2,083/month on €500,000
Fixed for 36 months—no volatility, no arrears risk
3. Zero Management or Compliance Hassle
No tenant calls, inspections, or regulations
Fully passive income stream
Capital returned at term in full
Buy-to-Let Drawbacks
1. Tenant Dependence = Income Fragility
With a single property, you rely entirely on one tenant for income. One month of vacancy or a rent default can wipe out cash flow and force you into costly legal action.
2. Operational Burden
Regular maintenance
Insurance, RTB registration, fire compliance
Letting agents, property taxes, BER upgrades
3. Hidden Costs
1% stamp duty
Legal and valuation fees
Ongoing wear and tear that eats into returns
RentFlow vs. Buy-to-Let: Side-by-Side
Factor | RentFlow 5% Income | Buy-to-Let Property |
Yield | 5% p.a. (fixed) | 4–6% p.a. (variable) |
Diversification | High – Portfolio-wide | None – Single property |
Monthly Income | €2,083 (fixed) | €2,000–€2,500 (varies) |
Time Required | None | High |
Vacancy Risk | Low (pooled income) | High (single point of failure) |
Liquidity at Exit | Guaranteed at 3 years | Market-dependent |
Conclusion: Income + Diversification = Peace of Mind
When it comes to income, it’s not just about how much you make—but how reliably you make it.
With RentFlow, you get:
5% annual income, paid monthly
A fully passive experience with no landlord burden
Diversified risk, spread across a professional portfolio
Compare that to owning a single property, where one broken boiler or one missed rent payment can undermine months of planning.
Thank you for considering this unique investment opportunity.
We look forward to the possibility of partnering with you to achieve your financial goals.
Contact Us
T: +353 (0) 1 961 9413
E: info@rentflow.ie
A: The Masonry Building, 151-156 Thomas St., Dublin 8, Ireland
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