Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Renovated 2-bedroom flat overlooking 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
-1884
10-yr return
56%
Net cashflow / mo
-1884
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
1296800 CHF
Down payment (30%)
389040 CHF
Acquisition fees (4.0%)
51872 CHF
Mortgage principal
907760 CHF
Total cash-in at close
440912 CHF
🏦 Financing
Loan amount
907760 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
4027 CHF
Annual debt service
48322 CHF
📊 Year-1 operating P&L
Gross rent
+40201
Operating costs (18%)
−7236
Net operating income (NOI)
32965
− Debt service
−48322
− Income tax (22%)
−7252
Net cashflow
-22609 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 40201 | 7236 | -22609 | 1316252 | 435321 |
| Y2 | 40804 | 7345 | -22223 | 1335996 | 482545 |
| Y3 | 41416 | 7455 | -21832 | 1356036 | 530732 |
| Y4 | 42037 | 7567 | -21435 | 1376376 | 579903 |
| Y5 | 42668 | 7680 | -21031 | 1397022 | 630078 |
| Y6 | 43308 | 7795 | -20622 | 1417977 | 681280 |
| Y7 | 43957 | 7912 | -20207 | 1439247 | 733529 |
| Y8 | 44617 | 8031 | -19785 | 1460836 | 786850 |
| Y9 | 45286 | 8151 | -19357 | 1482748 | 841264 |
| Y10 | 45965 | 8274 | -18922 | 1504989 | 896796 |
| Σ 10y | Cumulative net cashflow | -208023 | Equity at exit | 896796 | |
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.