Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
4-bed apartment, Ouchy
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
-4095
10-yr return
56%
Net cashflow / mo
-4095
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
2818200 CHF
Down payment (30%)
845460 CHF
Acquisition fees (4.0%)
112728 CHF
Mortgage principal
1972740 CHF
Total cash-in at close
958188 CHF
🏦 Financing
Loan amount
1972740 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
8751 CHF
Annual debt service
105012 CHF
📊 Year-1 operating P&L
Gross rent
+87364
Operating costs (18%)
−15726
Net operating income (NOI)
71639
− Debt service
−105012
− Income tax (22%)
−15761
Net cashflow
-49134 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 87364 | 15726 | -49134 | 2860473 | 946038 |
| Y2 | 88675 | 15961 | -48296 | 2903380 | 1048665 |
| Y3 | 90005 | 16201 | -47445 | 2946931 | 1153385 |
| Y4 | 91355 | 16444 | -46582 | 2991135 | 1260242 |
| Y5 | 92725 | 16691 | -45705 | 3036002 | 1369283 |
| Y6 | 94116 | 16941 | -44816 | 3081542 | 1480554 |
| Y7 | 95528 | 17195 | -43913 | 3127765 | 1594103 |
| Y8 | 96961 | 17453 | -42996 | 3174681 | 1709979 |
| Y9 | 98415 | 17715 | -42066 | 3222302 | 1828232 |
| Y10 | 99891 | 17980 | -41122 | 3270636 | 1948914 |
| Σ 10y | Cumulative net cashflow | -452074 | Equity at exit | 1948914 | |
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.