Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Ouchy · Ref 6030
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
-6466
10-yr return
56%
Net cashflow / mo
-6466
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
4450300 CHF
Down payment (30%)
1335090 CHF
Acquisition fees (4.0%)
178012 CHF
Mortgage principal
3115210 CHF
Total cash-in at close
1513102 CHF
🏦 Financing
Loan amount
3115210 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
13819 CHF
Annual debt service
165828 CHF
📊 Year-1 operating P&L
Gross rent
+137959
Operating costs (18%)
−24833
Net operating income (NOI)
113127
− Debt service
−165828
− Income tax (22%)
−24888
Net cashflow
-77589 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 137959 | 24833 | -77589 | 4517055 | 1493916 |
| Y2 | 140029 | 25205 | -76265 | 4584810 | 1655977 |
| Y3 | 142129 | 25583 | -74922 | 4653582 | 1821343 |
| Y4 | 144261 | 25967 | -73558 | 4723386 | 1990084 |
| Y5 | 146425 | 26357 | -72174 | 4794237 | 2162273 |
| Y6 | 148621 | 26752 | -70770 | 4866151 | 2337985 |
| Y7 | 150851 | 27153 | -69344 | 4939143 | 2517293 |
| Y8 | 153113 | 27560 | -67896 | 5013230 | 2700276 |
| Y9 | 155410 | 27974 | -66428 | 5088428 | 2887013 |
| Y10 | 157741 | 28393 | -64937 | 5164755 | 3077585 |
| Σ 10y | Cumulative net cashflow | -713883 | Equity at exit | 3077585 | |
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.