Scenario calculation
Calculating the profitability of a holiday property in Agadir: Model acquisition costs, personal use, occupancy, price, operation, reserves, currency and risk.
Direct answer
A profitability calculator for a holiday property in Agadir can only illustrate scenarios; it cannot predict the future. The starting point is the full acquisition cost, the nights actually available for letting after personal use, a cautious occupancy assumption, average revenue and all ongoing costs. Management, cleaning, platforms, community charges, utilities, insurance, maintenance, replacement inventory, vacancy, financing and items requiring tax review are then recorded separately. Base, stress and default scenarios reveal how sensitive the result is to changes. DACHMA guarantees no input, occupancy, income, return or appreciation; tax and financing questions belong with qualified specialists.
The calculation serves as a decision test, not a sales argument. Every input is given a source, date and label as either confirmed or assumed. The owner's own holiday weeks are removed from the calendar first. Unplanned repairs and weaker demand are deliberately included in a stress scenario. The model thus shows not only a possible surplus, but also liquidity requirements and the point at which the project no longer fits the budget without optimistic assumptions.
Official guidance: Haut-Commissariat au Plan – Housing statistics 2024 . The linked body does not replace an individual review.
Review points
The purchase price, notary, registration, brokerage, review, bank and transfer costs, renovation, furnishing and initial reserve form the starting basis. Specific figures are confirmed on a current basis. A blanket percentage for ancillary costs can conceal important differences. Equity and the loan are shown separately so that financing costs remain visible.
Personal use, maintenance, blocked days and realistic vacancy periods are deducted from the annual calendar. Only the remaining time is theoretically available for letting. Occupancy is based on this period and varied across several scenarios. Personal use is a personal benefit, but not cash rental income.
Price assumptions come from genuinely comparable listings or documented results by location, size, season and features. Asking prices and gross figures are not accepted uncritically. Discounts, cancellations and platform deductions can be included. A single strong year is not a reliable long-term forecast.
Community charges, utilities, internet, cleaning, laundry, management, platforms, insurance, repairs and replacement inventory are modelled individually. Variable costs change with occupancy; fixed costs also arise during vacancy. A separate reserve prevents maintenance from being financeable only through current bookings.
Base, stress and failure scenarios vary occupancy, price, costs and repairs. Available payment surplus, the liquidity reserve and the relationship to capital actually invested are considered. Tax indicators are not calculated without advice. A positive model result is not a guarantee and does not replace a property review.
Process
For the ‘calculate the profitability of holiday property in Agadir’ project, intended use, region, property type, timeframe and total costs are defined in writing.
Determine micro-locations, everyday life, exclusion criteria and realistic alternatives.
Pre-filter information, consolidate appointments and document observations in a traceable manner.
Negotiate terms and have ownership, encumbrances, construction, use and costs reviewed separately.
Coordinate the notary, specialist advisers, bank, deadlines, payment route and handover unambiguously.
Organise keys, the report, utilities, defects, inspections and letting as needed.
State risks realistically
Calculators appear objective even though the result depends entirely on the inputs. Excessive occupancy, personal use counted twice, missing platform or management costs and an insufficient repair reserve can materially distort the picture. Currency, financing and tax also change the available cash flow. A beautiful location or historical booking figure does not protect against future competition, rules or vacancy. The model should therefore show how the result changes under less favourable assumptions and whether the owner can bear necessary expenditure without rental income.
Due diligence and coordination reduce information gaps. They replace neither individual review nor the responsibility of the relevant specialists.
Decision-making in practice
A sound purchase process combines several perspectives. A financially appropriate price is insufficient if ownership, use or condition remains unresolved. Conversely, a legally sound property does not automatically become the right choice if the location, everyday life and ongoing costs do not suit the buyer. Facts, assumptions and personal preferences are therefore documented separately.
Before making a reservation, it should be clear which documents are already available, which reviews remain open and who will undertake them. Every assurance receives a source or remains expressly marked as an assumption. This applies particularly to rental potential, renovation, construction progress, permissions and future infrastructure. Decisions under artificial time pressure do not fit this approach.
DACHMA structures German-language communication, assists with selection and viewings, prepares negotiation and due-diligence questions, and coordinates agreed steps through to handover. The responsibility of external specialists remains visible. The buyer therefore knows who made a statement and what its scope is. This transparency is more important than a blanket promise that everything has been ‘verified’.
For serious candidates, advantages, unresolved points, costs, documents, responsibilities and deadlines are brought together. A decision follows only when material risks are understood. This may mean requesting further documents, commissioning a technical inspection, renegotiating terms or stepping away from a property. Ending the process can also be a good outcome.
Information as at 19 July 2026. The following bodies provide general guidance on the land register, notarial matters, finance or the respective location.
The information provides guidance and does not replace individual notarial, legal, tax, technical or financial advice.
Frequently asked questions
As a scenario, nights available for letting can be linked to assumed occupancy and average revenue. Seasonal prices, discounts and cancellations should enter separately. The result is an assumption, not guaranteed income and not yet net profit.
Alongside acquisition and financing, costs include community charges, utilities, internet, cleaning, laundry, platforms, management, insurance, maintenance, repairs, replacement inventory and vacancy. Tax items are confirmed individually. Fixed and occupancy-dependent costs should remain separate.
Block your own travel periods before calculating letting. These nights generate no rental income and may fall in periods of strong demand. Personal-use value may be described separately, but should not appear as a cash receipt. Arrival and departure days or maintenance periods also reduce availability.
There is no universally applicable occupancy rate. The micro-location, property, season, price, features, reviews, rules and management affect it. Use several cautious scenarios and robust comparable data. DACHMA guarantees neither a particular occupancy rate nor the transferability of past results.
No. The calculator represents only defined assumptions. The market, costs, currency, rules and condition can change. It does not provide investment, tax or financing advice. What matters is whether the project remains financially viable under less favourable assumptions.
Record income, expenditure, the loan and equity in their respective currencies and document conversion and charges. Calculate a less favourable exchange-rate scenario. Bank Al-Maghrib provides current market information, but no individual hedging or credit advice.
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