In 2 sentences: yes, but not right away! And it depends on how much you think you need to stop working.
Phrase 1: "yes, but not right now"
The average net profitability of a rental investment in France is 4%. This means that it will take you (100/4) = 25 years to fully repay your loan. Once this time has passed, you will fully enjoy the fruits of your investment! That is why we recommend investing as early as possible in your life.
Phrase 2: "It depends on how much you think you need to stop working."
Estimating your real needs today is already quite complicated (if you earned more, you would probably spend more too!). So when it comes to estimating your needs in 25 years... we are getting close to shamanism! We therefore invite you to be realistic and take the time to properly estimate what you need. Remember that to calculate what a rental investment will bring you, the formula is:
Rent (including charges) - deductible rental charges - non-deductible charges - property tax (monthly) - unforeseen works (monthly) - any taxes on rental income - home insurance - credit interests - rental vacancy
Thus, to earn €10,000/month net from rental real estate, assuming an average yield of 4% net, you will need 120,000 * 25 = 3 million euros of investments. This figure, although impressive, is entirely accessible to everyone!
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