We don’t invest based on gut feeling – but on robust data.
HomeHarbor combines official statistics, local market reports and AI-supported analysis. The goal: a sober view of opportunities & risks – without flashy marketing charts, but easy to understand.
Supply, demand & interest rates – why we care so much about stable cashflows
The chart shows an illustrative example of how demand, supply, a broad equity ETF and cumulative CO₂ impact can evolve over time. It helps you put real-estate income into context with other asset classes.
Key takeaway: In markets where structural demand stays high and supply is constrained, rental income tends to be more stable – an important building block for ongoing distributions and more predictable portfolios. At the same time, interest rates and general market volatility always remain part of the risk analysis.
Why we prefer certain locations
We compare vacancy rates across cities with the concrete micro-locations of HHC projects. The chart shows a purely illustrative comparison.
What does this mean for you? We favour micro-locations where apartments can be rented out at market terms, without constant special offers. That reduces the risk of longer vacancies – a key lever for continuous rental income.
How do different investment paths compare?
There is no single “perfect” product. The important thing is to understand what each building block is for – and which risks come with it.
🏦 Savings / Cash accounts
- Very liquid, low volatility
- Rates are variable & inflation-sensitive
- Best for emergency fund / short-term cash
📈 Broad ETFs
- Broad diversification, higher volatility
- Attractive long-term return potential
- Best for long-term wealth-building
🏠 HHC property shares
- Real-asset exposure + ongoing rents
- Property-specific risks, minimum holding periods
- Strong diversifier within a total portfolio
How we assess opportunities and risks
📍 Supply & demand
Regional indicators (population, households, construction activity) at the core. No guesswork.
💶 Prices & interest rates
Rate levels, price-to-rent multiples & required yields feed into scenarios – including stressed cases.
💸 Rental income
Lease structure, tenant churn, market vs. in-place rents – with a focus on stability and resilience.
🛡️ Risk factors
Vacancy, non-payment, maintenance & exit scenarios are assessed systematically – not sugar-coated.
Where our market data comes from
- Official statistics: e.g. national and regional statistical offices, Eurostat, central banks
- Housing & rent reports: local rent indices, valuation committees, regional market studies
- Interest & capital-market data: published benchmark rates and market reports from banks/institutions
- Project-level data: occupancy, vacancy, energy certificates and property valuations
How we separate “feeling” from “facts”
- Source checks: preference for publicly verifiable and regularly updated datasets
- Cross-checks: we reconcile several sources instead of relying on a single graphic
- Documentation: assumptions and scenarios are disclosed in the project factsheet
- Updates: relevant market changes are flagged in the dashboard and documentation
Note: Concrete figures for each project are available in the respective project factsheet. The charts shown above are illustrative examples only and do not represent binding market forecasts.
What we look at most closely
- Location quality: demand, demography, labour market, infrastructure
- Asset quality: building condition, energy efficiency, ESG profile
- Cashflow resilience: rental income under stress scenarios (vacancy, interest, costs)
Timeliness & security
Market and asset analyses are updated regularly. In your dashboard you see when key figures were last reviewed or adjusted.
Data storage is GDPR-compliant within the EU, with encryption and role-based access control.
Look at markets calmly – instead of chasing headlines.
With HomeHarbor you get numbers, scenarios and clear wording for every project. That helps you make decisions that fit your risk appetite and your time horizon.
All figures and charts are examples and do not constitute forecasts or investment advice. Investments are subject to risks. Past performance is not a reliable indicator of future results.
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