Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Ouchy · Ref 6345
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
-2982
10-yr return
56%
Net cashflow / mo
-2982
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
2052300 CHF
Down payment (30%)
615690 CHF
Acquisition fees (4.0%)
82092 CHF
Mortgage principal
1436610 CHF
Total cash-in at close
697782 CHF
🏦 Financing
Loan amount
1436610 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
6373 CHF
Annual debt service
76473 CHF
📊 Year-1 operating P&L
Gross rent
+63621
Operating costs (18%)
−11452
Net operating income (NOI)
52169
− Debt service
−76473
− Income tax (22%)
−11477
Net cashflow
-35781 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 63621 | 11452 | -35781 | 2083085 | 688934 |
| Y2 | 64576 | 11624 | -35171 | 2114331 | 763670 |
| Y3 | 65544 | 11798 | -34551 | 2146046 | 839930 |
| Y4 | 66527 | 11975 | -33922 | 2178236 | 917747 |
| Y5 | 67525 | 12155 | -33284 | 2210910 | 997154 |
| Y6 | 68538 | 12337 | -32636 | 2244074 | 1078185 |
| Y7 | 69566 | 12522 | -31979 | 2277735 | 1160875 |
| Y8 | 70610 | 12710 | -31311 | 2311901 | 1245259 |
| Y9 | 71669 | 12900 | -30634 | 2346579 | 1331375 |
| Y10 | 72744 | 13094 | -29946 | 2381778 | 1419259 |
| Σ 10y | Cumulative net cashflow | -329214 | Equity at exit | 1419259 | |
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.