Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Seefeld
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
2.3%
Cashflow / mo
-9106
10-yr return
50%
Net cashflow / mo
-9106
CHF · after debt service & taxes
Cap rate
2.3%
NOI ÷ asking price
Cash-on-cash
-5.7%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
5646100 CHF
Down payment (30%)
1693830 CHF
Acquisition fees (4.0%)
225844 CHF
Mortgage principal
3952270 CHF
Total cash-in at close
1919674 CHF
🏦 Financing
Loan amount
3952270 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
17532 CHF
Annual debt service
210386 CHF
📊 Year-1 operating P&L
Gross rent
+158091
Operating costs (18%)
−28456
Net operating income (NOI)
129634
− Debt service
−210386
− Income tax (22%)
−28520
Net cashflow
-109271 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 158091 | 28456 | -109271 | 5730792 | 1895332 |
| Y2 | 160462 | 28883 | -107754 | 5816753 | 2100940 |
| Y3 | 162869 | 29316 | -106215 | 5904005 | 2310739 |
| Y4 | 165312 | 29756 | -104652 | 5992565 | 2524822 |
| Y5 | 167792 | 30203 | -103066 | 6082453 | 2743279 |
| Y6 | 170309 | 30656 | -101457 | 6173690 | 2966203 |
| Y7 | 172863 | 31115 | -99823 | 6266295 | 3193692 |
| Y8 | 175456 | 31582 | -98164 | 6360290 | 3425843 |
| Y9 | 178088 | 32056 | -96481 | 6455694 | 3662757 |
| Y10 | 180759 | 32537 | -94772 | 6552530 | 3904535 |
| Σ 10y | Cumulative net cashflow | -1021655 | Equity at exit | 3904535 | |
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.