Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Renovated 3-bedroom flat overlooking 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
-5211
10-yr return
52%
Net cashflow / mo
-5211
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
3341400 CHF
Down payment (30%)
1002420 CHF
Acquisition fees (4.0%)
133656 CHF
Mortgage principal
2338980 CHF
Total cash-in at close
1136076 CHF
🏦 Financing
Loan amount
2338980 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
10376 CHF
Annual debt service
124508 CHF
📊 Year-1 operating P&L
Gross rent
+96901
Operating costs (18%)
−17442
Net operating income (NOI)
79458
− Debt service
−124508
− Income tax (22%)
−17481
Net cashflow
-62530 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 96901 | 17442 | -62530 | 3391521 | 1121670 |
| Y2 | 98354 | 17704 | -61601 | 3442394 | 1243350 |
| Y3 | 99829 | 17969 | -60657 | 3494030 | 1367511 |
| Y4 | 101327 | 18239 | -59699 | 3546440 | 1494207 |
| Y5 | 102847 | 18512 | -58727 | 3599637 | 1623491 |
| Y6 | 104389 | 18790 | -57740 | 3653631 | 1755419 |
| Y7 | 105955 | 19072 | -56739 | 3708436 | 1890049 |
| Y8 | 107545 | 19358 | -55722 | 3764062 | 2027437 |
| Y9 | 109158 | 19648 | -54690 | 3820523 | 2167644 |
| Y10 | 110795 | 19943 | -53643 | 3877831 | 2310730 |
| Σ 10y | Cumulative net cashflow | -581749 | Equity at exit | 2310730 | |
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.