Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family villa with pool, Confluence
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
3.6%
Cashflow / mo
-1798
10-yr return
50%
Net cashflow / mo
-1798
EUR · after debt service & taxes
Cap rate
3.6%
NOI ÷ asking price
Cash-on-cash
-4.8%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
1205900 EUR
Down payment (30%)
361770 EUR
Acquisition fees (7.5%)
90443 EUR
Mortgage principal
844130 EUR
Total cash-in at close
452213 EUR
🏦 Financing
Loan amount
844130 EUR
Mortgage rate
4.10%
Term
25 years
Monthly payment
4502 EUR
Annual debt service
54028 EUR
📊 Year-1 operating P&L
Gross rent
+55471
Operating costs (22%)
−12204
Net operating income (NOI)
43268
− Debt service
−54028
− Income tax (25%)
−10817
Net cashflow
-21578 EUR
📈 10-year projection
2.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 55471 | 12204 | -21578 | 1230018 | 405676 |
| Y2 | 56581 | 12448 | -20929 | 1254618 | 450892 |
| Y3 | 57712 | 12697 | -20267 | 1279711 | 497460 |
| Y4 | 58867 | 12951 | -19591 | 1305305 | 545428 |
| Y5 | 60044 | 13210 | -18903 | 1331411 | 594842 |
| Y6 | 61245 | 13474 | -18200 | 1358039 | 645752 |
| Y7 | 62470 | 13743 | -17484 | 1385200 | 698210 |
| Y8 | 63719 | 14018 | -16753 | 1412904 | 752267 |
| Y9 | 64994 | 14299 | -16007 | 1441162 | 807980 |
| Y10 | 66293 | 14585 | -15247 | 1469985 | 865404 |
| Σ 10y | Cumulative net cashflow | -184958 | Equity at exit | 865404 | |
Modelling assumptions
- Country baseline: FR — operating costs 22% of gross rent, income tax 25%, capital appreciation 2.0%/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.