Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Bastille
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
2.7%
Cashflow / mo
-4063
10-yr return
32%
Net cashflow / mo
-4063
EUR · after debt service & taxes
Cap rate
2.7%
NOI ÷ asking price
Cash-on-cash
-6.5%
Year-1 cashflow ÷ cash-in
10-yr total return
32%
2.8% annualised
💼 Acquisition
Asking price
2004200 EUR
Down payment (30%)
601260 EUR
Acquisition fees (7.5%)
150315 EUR
Mortgage principal
1402940 EUR
Total cash-in at close
751575 EUR
🏦 Financing
Loan amount
1402940 EUR
Mortgage rate
4.10%
Term
25 years
Monthly payment
7483 EUR
Annual debt service
89795 EUR
📊 Year-1 operating P&L
Gross rent
+70147
Operating costs (22%)
−15432
Net operating income (NOI)
54715
− Debt service
−89795
− Income tax (25%)
−13679
Net cashflow
-48759 EUR
📈 10-year projection
2.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 70147 | 15432 | -48759 | 2044284 | 674232 |
| Y2 | 71550 | 15741 | -47938 | 2085170 | 749380 |
| Y3 | 72981 | 16056 | -47101 | 2126873 | 826776 |
| Y4 | 74441 | 16377 | -46247 | 2169411 | 906498 |
| Y5 | 75929 | 16704 | -45376 | 2212799 | 988625 |
| Y6 | 77448 | 17039 | -44488 | 2257055 | 1073237 |
| Y7 | 78997 | 17379 | -43582 | 2302196 | 1160421 |
| Y8 | 80577 | 17727 | -42658 | 2348240 | 1250264 |
| Y9 | 82188 | 18081 | -41715 | 2395205 | 1342858 |
| Y10 | 83832 | 18443 | -40753 | 2443109 | 1438298 |
| Σ 10y | Cumulative net cashflow | -448617 | Equity at exit | 1438298 | |
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.