Is it still possible in 2025?

Buying a good without a penny of personal savings? In 2025, the idea seems unrealistic. Still, theReal estate investment for rent Without contribution always attracts merchants of goods, investors And Beginners. In the face of the increase in interest rateto the constraints of banksand in a market aimed between Thermal mouths, Secondary residences and requirements ofEnergy auditThe question deserves to be asked with lucidity.

Because banks close the valves in 2025

In five years, the mortgage has changed a lever accessible to an obstacle course. Banks, subject to HCSF standards, now ask for a Precautionary savings equivalent to several months of monthly payments. The loan without contribution therefore becomes the exception, reserved for solid profiles or well -read montages. There Secondary residence or theinvestment for rent In thermal coach It remains financially only if the profitability of rents compensates the risk.

What profiles can still invest without contribution?

In 2025, only three categories of investors were withdrawn from the game. public employeesWith their professional stability, seduce banks. THE merchants of goodsbroken to rapid residents, present ultra-residential operations. Finally, investors master the financial agreements Street ShitThe dismemberment or furnished rental can always negotiate complete loans, especially if the property has a potential for Real estate assessment.

The lever furnished and the seasonal rental

THE furnished rental (Lmnp) you Airbnb Seasonal Become a strategic weapon. A well positioned, renewed and exploited effectively allows you to reach a net profitability of more than 8 %. In Paris, Marseille or in South of FranceA study can generate a Positive cash flowincluded with the financing of 110 %. But this lever supposes a Energy audit Impeccable and often substantial work to avoid the «thermal casting» label.

The effect of the tax lever remains an entrance door

Even without contribution, some devices remain accessible. The denoterandy law in some targeted areas, Tax reductions in LMNP Or the accounting dampening of furnished furniture offers a powerful optimization. Combining ready, energy renewal And tax exemptionSome profiles create an without exit investment in immediate cash. But be careful: the assembly must be perfectly calibrated, at the risk of generating a boomerang effect.

Thermal coach or hidden pepper?

Buy a thermal coach It may seem suicidal. But the Expert investors Know that this is often where the best margins are hidden. Thanks to Loanto Post-renovation evaluationand by effect Energy reclassificationIt is possible to identify a strong added value in a few months. THE merchants of goods And Secondary markets Like Mulhouse, Saint-Étienne or Niort are full of opportunities that are still at 110 %financially, because the purchase prices remain very low.

The return of the broker and the intelligent

In 2025, the broker became essential again. End negotiator, knows how to present a solid file, highlights the Rental of the rentalincludes worksand demonstrates the ability of self -refinance The operation. In parallel, the use of the consumer credit for the noted commissions, the Differentiation between the main loan and work loanand the cross -quarantees have become standard Standard tools to «pass» 100 %funded projects.

And buy in pairs, myth or reality?

THE couple It remains a strength. Two income, potential stability and Debt capacity increased still to open certain doors. In 2025, the Main residences It can always be financed without contribution if the two co-pruners have a permanent contract, few debts and a Good budget management. The purchase in joint or ski ownership can also optimize the project for rent investments, multiplying sources of income and guarantees.

What strategy to adopt if you start from scratch?

Without contribution but motivated? Focus on Secondary markets cheap but dynamic. Look for goods for renovate With high rental potential. Use each tax niche, go to the optimization of the budget and create an impeccable bank file. Never underestimate the importance of Rental forecastof energy workIt is a realistic financial agreement. Because in 2025, only the penalty made the difference.

My opinion

Investing without contribution is not dead. It has become a high -level sport. The poorly prepared profiles are automatically expelled. But for strategists, those who read between the lines, who know the tax tools and know how to build a concrete file, the doors are not closed. The era of easy credit is behind us, but that of intelligent credit has just begun.

Share this article to those who think that the real estate sector is reserved for the rich. Comment with your feedback. And ask your questions in the comments: they are treated in a future article, because nobody should be excluded from the investment.

* Koliving.fr is an independent and non -affiliated real estate media to an entity that offers operational collping services. Access to koliving.fr is completely free. Its loan is based in particular on the display of strategic advertising and partnerships.