Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Eaux-Vives
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
2.4%
Cashflow / mo
-8878
10-yr return
52%
Net cashflow / mo
-8878
CHF · after debt service & taxes
Cap rate
2.4%
NOI ÷ asking price
Cash-on-cash
-5.5%
Year-1 cashflow ÷ cash-in
10-yr total return
52%
4.3% annualised
💼 Acquisition
Asking price
5693100 CHF
Down payment (30%)
1707930 CHF
Acquisition fees (4.0%)
227724 CHF
Mortgage principal
3985170 CHF
Total cash-in at close
1935654 CHF
🏦 Financing
Loan amount
3985170 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
17678 CHF
Annual debt service
212137 CHF
📊 Year-1 operating P&L
Gross rent
+165100
Operating costs (18%)
−29718
Net operating income (NOI)
135382
− Debt service
−212137
− Income tax (22%)
−29784
Net cashflow
-106539 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 165100 | 29718 | -106539 | 5778497 | 1911110 |
| Y2 | 167576 | 30164 | -104955 | 5865174 | 2118428 |
| Y3 | 170090 | 30616 | -103348 | 5953152 | 2329975 |
| Y4 | 172641 | 31075 | -101716 | 6042449 | 2545839 |
| Y5 | 175231 | 31542 | -100060 | 6133086 | 2766114 |
| Y6 | 177859 | 32015 | -98378 | 6225082 | 2990895 |
| Y7 | 180527 | 32495 | -96672 | 6318458 | 3220278 |
| Y8 | 183235 | 32982 | -94940 | 6413235 | 3454361 |
| Y9 | 185984 | 33477 | -93182 | 6509433 | 3693247 |
| Y10 | 188774 | 33979 | -91398 | 6607075 | 3937038 |
| Σ 10y | Cumulative net cashflow | -991188 | Equity at exit | 3937038 | |
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.