Expatriée en Suisse : elle investit dans 2 logements différents et génère +2000€/mois de cashflow

Finance-focused summary (real estate investing, cash flow, risk/disclosure)

Investment objective & approach

• Goal: build passive monthly income and grow it over time so she can work less and have more time for family and travel.
• Core strategy themes:
  • Diversification (“no more than one basket / diversify”).
  • Use of leverage (via mortgages) to reinvest and scale.
  • Remote, time-constrained acquisition supported by a team (tools/community/coaching), so she doesn’t have to do everything alone.
  • Possible later restructuring of ownership using an SCI for retirement/family planning and asset/share transfer.

Portfolio / holdings mentioned (assets & vehicles)

• Residential real estate (France):
  • Bour (Cambrai) (interpreted as the same project referenced as “Bour Cambrai” / “Bourcombrence”)
    • A larger unit redesigned into a 3-bedroom shared rental layout.
  • Saint-Étienne (42nd district)
    • A T2 (two-room apartment) for student/young professional rental.
• SCPIs (French real estate investment trusts / listed property funds).
• Stocks/shares (no specific ticker named).
• Potential future additions:
  • A pied-à-terre in Lyon (short-term rental concept).
  • Possibly commercial premises / parking garages and unclear “groups with classes” (wording unclear).
  • Potential international expansion with calculated risks (example mentioned: Tunisia).

Projects completed / timelines

• Started researching around August–September (prior year).
• Found training around October/November.
• Coaching joined around September–October–November 2024.
• Video context: filmed November 2025 (projects likely underway/expected to be completed around then).
• Bought two apartments simultaneously to diversify and accelerate execution while managing bank/financing constraints.

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Key numbers & performance metrics mentioned

Project 1: “Bour … / Cambrai” (shared apartment redesign)

• Conversion concept: from 2-bedroom + large living room into a 3-bedroom to increase cash flow.
• Budget / acquisition cost: approx. €200,000 including renovations + furniture.
  • Emphasis on negotiating a good price per m² (no exact m² price stated).
• Rental income:
  • Already rented at €440/month (could rise to €500).
  • Expected tenant mix: 2 young professionals, possibly 3rd tenant soon → “full house”.
• Mortgage / leverage:
  • Loan payments around €800–€900/month.
  • Framing: rent covers most or all of the mortgage.
• Cash flow framing:
  • The loan is covered; returns are assessed combined across both properties.

Project 2: Saint-Étienne (student rental, smaller unit)

• Property type: T2 chosen because smaller spaces are in demand.
• Acquisition cost: ~€65,000 (notary fees excluded).
• Rent:
  • Room(s) in shared setup:
    • €530/month including utilities
    • Two larger rooms: €560/month including utilities
  • Subtitle math is inconsistent, but the implied total rent is roughly around ~€1,600/month.
• Mortgage / leverage:
  • Loan payments referenced as around €800 or €900/month (also earlier cited as ~€800–€900).
  • A later note suggests the loan could be ~€300/month (subtitle inconsistency), but the key point remains: rent covers the loan, and combined returns are strong with Project 1.
• Yield / return:
  • Estimated “almost 10% return” (also described as slightly under 10% using a rough calculation).
  • Take-away: returns are around the ~10% level.

Combined portfolio view (explicit)

• She states:
  • Project 2 is slightly less on its own,
  • but Project 1’s stronger results make the overall combined return “really good.”
• Mortgage structure:
  • Term: 20 years
  • Plan: extend by another 3 years in two years (potentially 20–23 years total).
  • Bank “in principle” agreed to the extension (could change).

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Recommendations / explicit choices (what she did)

• Executed simultaneously: bought two apartments at once to scale quickly while keeping time burden manageable (main time spent on the Bour project).
• Shared-housing strategy:
  • Convert underused space into extra bedrooms to increase monthly cash flow.
  • Use a small T2 to match demand (students/young professionals).
• Bank negotiation approach:
  • Bank acceptance was helped by the low purchase price in Saint-Étienne (€65k) versus Bour’s larger investment, making it easier to justify as a smaller/additional project.
• Risk management stance:
  • Mentions “calculated risks” (e.g., potential Tunisia deals).
  • Warns that doing deals wrong is scary because large sums are paid upfront; coaching/tools/community are used to reduce the chance of errors.

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Methodology / framework elements mentioned (process highlights)

• Not a strict valuation framework, but she repeatedly emphasizes a process supported by tools:
  • Use Excel spreadsheets/tools to evaluate deals/returns and track steps.
  • Follow course modules and apply learning via keywords/checklists.
  • Remote execution: rely on trusted contractors/agents comfortable with video calls.
  • Start research early (Aug–Sep) so training (Oct–Nov) supports meeting a September academic-year deadline.
  • Demand assessment by tenant segment and unit size:
    • Shared housing / larger unit for multiple young professionals.
    • T2 for students/young professionals near education hubs (IUTs mentioned).
  • Bank communication strategy: anticipate bank scrutiny; banks may not like multiple projects at once, so the cheaper project was positioned to be more acceptable.

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Disclosures / disclaimers

• No clear standard “not financial advice” disclaimer appears in the subtitles.
• Coaching/training is framed as credibility-building, including reference to related background, but no explicit legal disclaimer is shown.

Note: Subtitle/wording inconsistencies exist in multiple places (e.g., some rent and loan payment figures).

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Presenters / sources mentioned

• Audrey (interviewee; investor/coaching participant).
• Frédéric (interviewer/host mentioned at the end).
• “your team” / support program / community (no specific organization name provided in subtitles).