How Movlixe Works
We believe you should understand exactly what this tool does, how it calculates results, and what its limitations are. This page explains everything clearly.
Important notice: Movlixe is a purely educational and informational tool. It does not provide financial advice, investment recommendations, or any form of assessment or guidance regarding property transactions. All outputs are illustrative and for organizational reference only. Users are responsible for verifying all data and consulting qualified professionals for any financial or investment decisions.
What Data We Use
Movlixe uses only the data you enter directly into the tool. We do not connect to external databases, real estate registries, or market data providers. The inputs include: property purchase price, acquisition costs, mortgage terms (loan amount, rate, term), monthly rental income, operating expenses (property tax, administration fees, insurance, maintenance), and expected vacancy periods.
All calculations are performed based solely on the values you provide. No external data is injected, assumed, or sourced from third parties without your explicit input.
How Calculations Work
The tool applies standard financial formulas to organize your inputs into an annual cash flow summary. Mortgage payments are calculated using the standard amortization formula based on the loan amount, annual interest rate, and term you specify. Annual rental income is derived from the monthly rent multiplied by the number of occupied months (12 minus vacancy months).
Operating expenses are summed and presented as annual totals. The summary shows gross income, total costs, and financing payments as separate line items — it does not produce a net return figure or any investment metric.
What We Do Not Do
Movlixe does not evaluate whether a property is a good or bad investment. We do not compare properties, rank options, or suggest that any particular outcome is desirable or undesirable. We do not account for property value appreciation, depreciation, tax deductions, or any tax optimization strategies.
We do not provide benchmarks, market averages, or comparisons to other properties or investment types. The tool produces an organized view of the numbers you enter — nothing more, nothing less.
Chilean Context
The tool is designed with the Chilean rental market in mind. Field labels and terminology reflect Chilean conventions — for example, "contribuciones" for property tax and "gastos comunes" for building administration fees. The currency is Chilean pesos (CLP) by default, with UF (Unidad de Fomento) inputs available where relevant.
However, Movlixe does not incorporate live UF values, current tax rates, or regulatory changes automatically. Users should verify current values from official sources such as the SII (Servicio de Impuestos Internos) or the CMF (Comisión para el Mercado Financiero).
Data Privacy
The data you enter into Movlixe is processed locally in your browser. We do not store, transmit, or analyze the specific financial figures you input. When you close or refresh the page, your session data is cleared. We do not create user profiles based on financial inputs.
We use standard analytics cookies to understand general usage patterns (page visits, session duration) in aggregate. No individual financial data is ever collected or stored. See our Privacy Policy for full details.
Limitations to Know
The annual flow summary produced by Movlixe is a simplified organizational view. It does not account for: inflation effects on costs or income over time, changes in interest rates for variable-rate mortgages, property value changes, tax treatment of rental income, legal costs of tenant disputes, or extraordinary maintenance events.
Real-world rental property economics are more complex than any simplified tool can capture. Movlixe is a starting point for organizing your thinking — not a substitute for professional analysis.
What goes in and what comes out
Input: Purchase Price & Acquisition Costs
Property purchase price in CLP or UF, plus notary fees, stamp duties (impuesto de timbres y estampillas), and any broker commissions paid at acquisition.
Input: Mortgage / Financing Terms
Loan amount, annual interest rate (tasa anual), loan term in years, and start year. The tool calculates the annual debt service (principal + interest) using standard amortization.
Input: Operating Expenses
Annual property tax (contribuciones), monthly building administration fee (gastos comunes), annual insurance premium, and an estimated annual maintenance budget.
Input: Rental Income & Vacancy
Expected monthly rental income (arriendo mensual) and the number of months per year the property is expected to be unoccupied (meses vacíos).
Output: Annual Flow Summary
A structured table showing, for each year of the analysis period: gross rental income, total operating expenses, annual debt service, and the net cash position before taxes — organized for educational reference only.
Questions about how the tool works?
If you have questions about the methodology, inputs, or outputs of Movlixe, we are happy to explain further. Reach out through our contact page.
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