Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
4-bed apartment, 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
-4157
10-yr return
56%
Net cashflow / mo
-4157
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
2861400 CHF
Down payment (30%)
858420 CHF
Acquisition fees (4.0%)
114456 CHF
Mortgage principal
2002980 CHF
Total cash-in at close
972876 CHF
🏦 Financing
Loan amount
2002980 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
8885 CHF
Annual debt service
106622 CHF
📊 Year-1 operating P&L
Gross rent
+88703
Operating costs (18%)
−15967
Net operating income (NOI)
72737
− Debt service
−106622
− Income tax (22%)
−16002
Net cashflow
-49887 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 88703 | 15967 | -49887 | 2904321 | 960540 |
| Y2 | 90034 | 16206 | -49036 | 2947886 | 1064740 |
| Y3 | 91384 | 16449 | -48172 | 2992104 | 1171065 |
| Y4 | 92755 | 16696 | -47296 | 3036986 | 1279560 |
| Y5 | 94147 | 16946 | -46406 | 3082540 | 1390272 |
| Y6 | 95559 | 17201 | -45503 | 3128779 | 1503249 |
| Y7 | 96992 | 17459 | -44586 | 3175710 | 1618539 |
| Y8 | 98447 | 17720 | -43655 | 3223346 | 1736191 |
| Y9 | 99924 | 17986 | -42711 | 3271696 | 1856257 |
| Y10 | 101423 | 18256 | -41752 | 3320772 | 1978788 |
| Σ 10y | Cumulative net cashflow | -459004 | Equity at exit | 1978788 | |
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.