Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique office space, Flon
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
2.5%
Cashflow / mo
-5753
10-yr return
56%
Net cashflow / mo
-5753
CHF · after debt service & taxes
Cap rate
2.5%
NOI ÷ asking price
Cash-on-cash
-5.1%
Year-1 cashflow ÷ cash-in
10-yr total return
56%
4.6% annualised
💼 Acquisition
Asking price
3959700 CHF
Down payment (30%)
1187910 CHF
Acquisition fees (4.0%)
158388 CHF
Mortgage principal
2771790 CHF
Total cash-in at close
1346298 CHF
🏦 Financing
Loan amount
2771790 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
12296 CHF
Annual debt service
147547 CHF
📊 Year-1 operating P&L
Gross rent
+122751
Operating costs (18%)
−22095
Net operating income (NOI)
100656
− Debt service
−147547
− Income tax (22%)
−22144
Net cashflow
-69036 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 122751 | 22095 | -69036 | 4019096 | 1329227 |
| Y2 | 124592 | 22427 | -67858 | 4079382 | 1473422 |
| Y3 | 126461 | 22763 | -66663 | 4140573 | 1620558 |
| Y4 | 128358 | 23104 | -65449 | 4202681 | 1770698 |
| Y5 | 130283 | 23451 | -64218 | 4265721 | 1923905 |
| Y6 | 132237 | 23803 | -62968 | 4329707 | 2080246 |
| Y7 | 134221 | 24160 | -61699 | 4394653 | 2239787 |
| Y8 | 136234 | 24522 | -60412 | 4460573 | 2402599 |
| Y9 | 138278 | 24890 | -59105 | 4527481 | 2568750 |
| Y10 | 140352 | 25263 | -57778 | 4595394 | 2738313 |
| Σ 10y | Cumulative net cashflow | -635185 | Equity at exit | 2738313 | |
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.