Cash-flow positive +€135/month rented one-bedroom flat in an LVIS-renovated building, rental yield over 11%, Jyväskylä

Bid here for a genuinely high-yield, cash-flow investment at a low price! The flat is already rented to a good tenant and the housing company has carried out, among other works, a plumbing/electrical/ventilation renovation.

Flat:
A rented 55 m² two-room flat for sale in Jyväskylä at Samettijalka 4. The flat is in Asunto Oy Kotasenpuro and is, according to the articles of association, 55 m² 2 rooms + kitchen. The apartment is on the 2nd floor.

The flat is in tidy condition and has a practical layout, making it ideal for rental use. The floor plan is clear: separate kitchen, living room, bedroom and bathroom form a practical whole. The 55 m² two-room flat offers the tenant good living space while remaining a sensible size for an investor and easy to rent. This is suitable for an investor seeking a ready-rented flat at a modest purchase price with good monthly cash flow.

Company:
Asunto Oy Kotasenpuro is a well-maintained, pleasant low-rise apartment company completed in 1976 in Keltinmäki, Jyväskylä, next to Kotalampi. The company has a total of 15 flats. The building sits on its own plot and is heated by district heating.

Several significant repairs and improvements have been made over the years, such as a new roof in 2013, façade repairs in 2022 and a full plumbing and electrical renovation in 2020. The company's finances are well managed: the operating surplus was €9,810.01 and the cumulative surplus for the maintenance charges was €24,993.66. The maintenance charge is modest at €4.60/m²/month.

City:

Jyväskylä is one of Finland’s fastest-developing cities, combining a stable rental market, a growing population and a strong concentration of education. With over 144,000 inhabitants, it serves as Central Finland’s economic, educational and service centre and attracts thousands of new residents each year – especially young adults, students and working-age people. The city is known for its wide range of educational options. The University of Jyväskylä, the university of applied sciences and numerous upper secondary institutions ensure ongoing demand for small and medium-sized rental flats. Students form a significant tenant group and turnover in rental housing is lively. Jyväskylä’s employment situation has improved and the city has succeeded in attracting new businesses and investments.

Local area:

The flat is located in Jyväskylä’s Keltinmäki in a pleasant, quiet area at the end of a cul-de-sac, next to Kotalampi and park areas, a few kilometres from Jyväskylä city centre. The area offers good basic services such as grocery stores, restaurants, a library, daycare and a school. There are excellent outdoor opportunities – Kotalampi, the Kotalampi dog park, football and sports fields and extensive woodlands with trails provide great options for those who love nature and exercise. There are good transport connections to Jyväskylä centre – a bus stop is about 100 metres from the flat.

Tenancy agreement:

The flat is rented to a reliable tenant with good credit. The tenancy is open-ended starting 1 June 2026 and the first possible termination date is 1 April 2027. The rent is €625.00/month + utility charges.

Yield:

The flat generates €372.00 per month after the maintenance charge, which equals €4,464.00 per year. The rental yield on a debt-free price of €40,000 is 11.2% and the return on equity is about 25%! Positive cash flow from the rent after maintenance and financing charges is €135.50 per month, which is €1,626.00 per year. The flat has a housing company loan of €22,180.65 (as at 28 February 2026), which enables entry at a low sale price. The financing charge is recognised in the housing company’s accounts, meaning the investor can deduct it fully for tax purposes!

Why this is a good investment?

✅ Well-rentable flat in a good location

✅ Growing, vibrant student city

✅ Plumbing-renovated, well-managed company

✅ Already rented to a reliable tenant

✅ Low maintenance charge, only €4.60/m²

✅ Clearly cash-flow positive investment

✅ Tax benefit from the housing company loan for the investor

✅ Rental yield over 11%!

✅ Low sale price -> Return on equity about 25%!

Buy this profitable investment cheaply! If you have any questions, please contact us without hesitation.