Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Eaux-Vives
Tweak any input — down payment, mortgage rate, hold horizon — and the projection refreshes instantly. Country-specific tax and fee schedules are baked in; the formula is documented on the methodology page.
Cap rate
2.4%
Cashflow / mo
-5189
10-yr return
52%
Net cashflow / mo
-5189
CHF · after debt service & taxes
Cap rate
2.4%
NOI ÷ asking price
Cash-on-cash
-5.5%
Year-1 cashflow ÷ cash-in
10-yr total return
52%
4.3% annualised
💼 Acquisition
Asking price
3327400 CHF
Down payment (30%)
998220 CHF
Acquisition fees (4.0%)
133096 CHF
Mortgage principal
2329180 CHF
Total cash-in at close
1131316 CHF
🏦 Financing
Loan amount
2329180 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
10332 CHF
Annual debt service
123986 CHF
📊 Year-1 operating P&L
Gross rent
+96495
Operating costs (18%)
−17369
Net operating income (NOI)
79126
− Debt service
−123986
− Income tax (22%)
−17408
Net cashflow
-62268 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 96495 | 17369 | -62268 | 3377311 | 1116971 |
| Y2 | 97942 | 17630 | -61342 | 3427971 | 1238141 |
| Y3 | 99411 | 17894 | -60403 | 3479390 | 1361781 |
| Y4 | 100902 | 18162 | -59449 | 3531581 | 1487946 |
| Y5 | 102416 | 18435 | -58481 | 3584555 | 1616689 |
| Y6 | 103952 | 18711 | -57498 | 3638323 | 1748064 |
| Y7 | 105511 | 18992 | -56501 | 3692898 | 1882130 |
| Y8 | 107094 | 19277 | -55489 | 3748291 | 2018942 |
| Y9 | 108700 | 19566 | -54461 | 3804516 | 2158562 |
| Y10 | 110331 | 19860 | -53418 | 3861584 | 2301048 |
| Σ 10y | Cumulative net cashflow | -579311 | Equity at exit | 2301048 | |
Modelling assumptions
- Country baseline: CH — operating costs 18% of gross rent, income tax 22%, capital appreciation 1.5%/yr.
- Projections assume rent grows at the country appreciation rate. Real-world rent growth will diverge.
- Mortgage figures use a constant interest rate for the full term. Re-mortgage events are not modelled.
- Excludes capital-gains tax on exit, currency hedging costs and any local property tax over and above the operating buffer.