An investment apartment is an investment product – Introducing 5 properties
A good investment property is not just a number on a spreadsheet or a property that appeals to the investor's eye – it is a combination of strategic location, good rentability, and predictable financial returns. Strong rental income is one of the key indicators, but it is not enough on its own. Positive cash flow, i.e., the difference between rental income and expenses, also has a significant impact on the long-term profitability of an investment.
Location is a decisive factor: the better the transport connections and services, the more attractive the property is to tenants – and the lower the risk of vacancy. A good investment apartment is often located in an area with growing or stable rental demand, and the building is in good condition or has already undergone significant renovations. A pre-rented apartment generates income immediately after the sale, which reduces the investor's risk in the early stages.
Next, we present five concrete examples representing different strategies – from high-yield apartments in developing areas to stable rental demand in the capital region.
🏠 1. Ruiskukkatie 11–13, Oulu – Strong cash flow with moderate capital
- Location: Rajakylä, Oulu
- Size: 50.5 m² (2 rooms + kitchen)
- Debt-free price: €38,900
- Rental yield: 10.17%
- Cash flow before loan: approx. €329/month
- Loan amount (70%): €27,230
- Monthly payment (3.5%, 20 years): €157.92
- Cash flow after loan: approx. €171/month
This property is an excellent choice for investors seeking high rental income with a small capital investment. Rajakylä is a developing area, and although it is not one of the most sought-after areas in Oulu, the affordable rent attracts tenants, especially students and young couples. Extensive renovations have already been carried out in the building, including HVAC and facade renovations, which reduces the risk of future expenses.
Who is it suitable for?
Well suited for first-time investors or investors focused on cash flow.
🏢 2. Kehätie 5, Nurmijärvi – A small but efficient studio apartment on the outskirts of the capital region
- Location: Rajamäki, Nurmijärvi
- Size: 33 m² (1 room + kitchen)
- Debt-free price: €40,000
- Rental yield: 9.03%
- Cash flow before loan: approx. €301/month
- Loan amount (70%): €28,000
- Monthly installment (3.5%, 20 years): €162.39
- Cash flow after loan: approx. €139/month
This studio apartment in Nurmijärvi offers a good combination of reasonable rental income and a location within the Helsinki metropolitan area. Rajamäki is home to several employers and is conveniently located a short distance from Hyvinkää and Helsinki, for example. The apartment has been renovated and is already rented out, so investors can start earning income right away.
Who is it suitable for?
Suitable for investors looking for a compact and easily rentable property in the suburbs of the Helsinki metropolitan area.
🏡 3. Leppäkaarteentie 10 & 12, Siilinjärvi – Maximum return at a low price
- Location: Leppäkaarre, Siilinjärvi
- Size: 59.5 m² (2 rooms + kitchen)
- Debt-free price: €33,900
- Rental yield: over 12%
- Cash flow before loan: approx. €360/month
- Loan amount (70%): €23,730
- Monthly installment (3.5%, 20 years): €137.62
- Cash flow after loan: approx. €222/month
This property offers excellent return potential, especially for investors who want to maximize rental income and cash flow. Siilinjärvi is located near Kuopio and has long-term tenants, which increases the stability of the investment. The low purchase price of the property lowers the threshold for investment.
Who is it suitable for?
Particularly suitable for experienced investors who want to diversify their portfolio with smaller city properties.
🏙️ 4. Kaakkoisväylä 4, Vantaa – Stability and space in the capital region
- Location: Mikkola, Vantaa
- Size: 82.5 m² (3 rooms + kitchen)
- Debt-free price: €75,000
- Rental yield: 10.24%
- Cash flow before loan: approx. €696/month
- Loan amount (70%): €52,500
- Monthly payment (3.5%, 20 years): €304.48
- Cash flow after loan: approx. €392/month
This spacious three-room apartment is located in Mikkola, Vantaa, an area that is particularly popular for family homes. Its location close to schools and daycare centers increases its rentability. The building has undergone several renovations, including refurbishment of the facade and balconies, which provides peace of mind regarding future costs.
Who is it suitable for?
Suitable for investors who want stable demand and high cash flow in the capital region.
🌳 5. Lehtikuusentie 2, Vaasa – Renovated two-bedroom apartments with stable rent
- Location: Haapaniemi, Vaasa
- Size: 73.5–75 m² (3 rooms + kitchen/living room)
- Debt-free price: €82,000–83,000
- Rental yield: approx. 8%
- Cash flow before loan: approx. €370/month
- Loan amount (70%): €57,400
- Monthly payment (3.5%, 20 years): €332.90
- Cash flow after loan: approx. €37/month
The three-room apartments located in Haapaniemi, Vaasa, have been extensively renovated and are already rented out. The housing company is in good condition and the rental market in the area is stable, making the properties a safe choice for long-term investors. The location also supports rental demand from students and young families.
Who is it suitable for?
Well suited for investors looking for a more carefree, ready-to-move-in property in a developing area with stable returns.
These five locations offer options for both novice and experienced investors. Some offer top-class returns with low risk, while others are located in stable urban areas and generate regular cash flow. Your own goals as an investor—whether you prioritize cash flow, location, or potential for appreciation—will ultimately determine which property is the right investment apartment for you.
You can find these and other properties for sale that have been curated as ready-made investment products here👇