Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in 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
-3205
10-yr return
56%
Net cashflow / mo
-3205
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
2205800 CHF
Down payment (30%)
661740 CHF
Acquisition fees (4.0%)
88232 CHF
Mortgage principal
1544060 CHF
Total cash-in at close
749972 CHF
🏦 Financing
Loan amount
1544060 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
6849 CHF
Annual debt service
82193 CHF
📊 Year-1 operating P&L
Gross rent
+68380
Operating costs (18%)
−12308
Net operating income (NOI)
56071
− Debt service
−82193
− Income tax (22%)
−12336
Net cashflow
-38457 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 68380 | 12308 | -38457 | 2238887 | 740462 |
| Y2 | 69406 | 12493 | -37801 | 2272470 | 820788 |
| Y3 | 70447 | 12680 | -37135 | 2306557 | 902752 |
| Y4 | 71503 | 12871 | -36459 | 2341156 | 986389 |
| Y5 | 72576 | 13064 | -35773 | 2376273 | 1071735 |
| Y6 | 73664 | 13260 | -35077 | 2411917 | 1158827 |
| Y7 | 74769 | 13459 | -34370 | 2448096 | 1247701 |
| Y8 | 75891 | 13660 | -33653 | 2484817 | 1338397 |
| Y9 | 77029 | 13865 | -32925 | 2522090 | 1430954 |
| Y10 | 78185 | 14073 | -32186 | 2559921 | 1525411 |
| Σ 10y | Cumulative net cashflow | -353838 | Equity at exit | 1525411 | |
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.