Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Ouchy · Ref 7252
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
-3835
10-yr return
56%
Net cashflow / mo
-3835
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
2639300 CHF
Down payment (30%)
791790 CHF
Acquisition fees (4.0%)
105572 CHF
Mortgage principal
1847510 CHF
Total cash-in at close
897362 CHF
🏦 Financing
Loan amount
1847510 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
8196 CHF
Annual debt service
98346 CHF
📊 Year-1 operating P&L
Gross rent
+81818
Operating costs (18%)
−14727
Net operating income (NOI)
67091
− Debt service
−98346
− Income tax (22%)
−14760
Net cashflow
-46015 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 81818 | 14727 | -46015 | 2678890 | 885983 |
| Y2 | 83046 | 14948 | -45230 | 2719073 | 982096 |
| Y3 | 84291 | 15172 | -44433 | 2759859 | 1080168 |
| Y4 | 85556 | 15400 | -43625 | 2801257 | 1180242 |
| Y5 | 86839 | 15631 | -42804 | 2843276 | 1282360 |
| Y6 | 88142 | 15865 | -41971 | 2885925 | 1386568 |
| Y7 | 89464 | 16103 | -41125 | 2929214 | 1492909 |
| Y8 | 90806 | 16345 | -40267 | 2973152 | 1601429 |
| Y9 | 92168 | 16590 | -39396 | 3017749 | 1712175 |
| Y10 | 93550 | 16839 | -38511 | 3063015 | 1825196 |
| Σ 10y | Cumulative net cashflow | -423376 | Equity at exit | 1825196 | |
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.