Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Presqu'île
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
3.6%
Cashflow / mo
-998
10-yr return
50%
Net cashflow / mo
-998
EUR · after debt service & taxes
Cap rate
3.6%
NOI ÷ asking price
Cash-on-cash
-4.8%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
669000 EUR
Down payment (30%)
200700 EUR
Acquisition fees (7.5%)
50175 EUR
Mortgage principal
468300 EUR
Total cash-in at close
250875 EUR
🏦 Financing
Loan amount
468300 EUR
Mortgage rate
4.10%
Term
25 years
Monthly payment
2498 EUR
Annual debt service
29973 EUR
📊 Year-1 operating P&L
Gross rent
+30774
Operating costs (22%)
−6770
Net operating income (NOI)
24004
− Debt service
−29973
− Income tax (25%)
−6001
Net cashflow
-11971 EUR
📈 10-year projection
2.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 30774 | 6770 | -11971 | 682380 | 225058 |
| Y2 | 31389 | 6906 | -11611 | 696028 | 250142 |
| Y3 | 32017 | 7044 | -11243 | 709948 | 275977 |
| Y4 | 32658 | 7185 | -10869 | 724147 | 302588 |
| Y5 | 33311 | 7328 | -10487 | 738630 | 330002 |
| Y6 | 33977 | 7475 | -10097 | 753403 | 358246 |
| Y7 | 34657 | 7624 | -9699 | 768471 | 387347 |
| Y8 | 35350 | 7777 | -9294 | 783840 | 417337 |
| Y9 | 36057 | 7932 | -8880 | 799517 | 448245 |
| Y10 | 36778 | 8091 | -8458 | 815507 | 480102 |
| Σ 10y | Cumulative net cashflow | -102609 | Equity at exit | 480102 | |
Modelling assumptions
- Country baseline: FR — operating costs 22% of gross rent, income tax 25%, capital appreciation 2.0%/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.