Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Renovated 2-bedroom flat overlooking Seefeld
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
2.3%
Cashflow / mo
-3364
10-yr return
50%
Net cashflow / mo
-3364
CHF · after debt service & taxes
Cap rate
2.3%
NOI ÷ asking price
Cash-on-cash
-5.7%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
2086100 CHF
Down payment (30%)
625830 CHF
Acquisition fees (4.0%)
83444 CHF
Mortgage principal
1460270 CHF
Total cash-in at close
709274 CHF
🏦 Financing
Loan amount
1460270 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
6478 CHF
Annual debt service
77733 CHF
📊 Year-1 operating P&L
Gross rent
+58411
Operating costs (18%)
−10514
Net operating income (NOI)
47897
− Debt service
−77733
− Income tax (22%)
−10537
Net cashflow
-40373 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 58411 | 10514 | -40373 | 2117392 | 700280 |
| Y2 | 59287 | 10672 | -39813 | 2149152 | 776247 |
| Y3 | 60176 | 10832 | -39244 | 2181390 | 853763 |
| Y4 | 61079 | 10994 | -38667 | 2214111 | 932862 |
| Y5 | 61995 | 11159 | -38081 | 2247322 | 1013576 |
| Y6 | 62925 | 11327 | -37486 | 2281032 | 1095942 |
| Y7 | 63869 | 11496 | -36882 | 2315247 | 1179994 |
| Y8 | 64827 | 11669 | -36269 | 2349976 | 1265768 |
| Y9 | 65799 | 11844 | -35647 | 2385226 | 1353302 |
| Y10 | 66786 | 12022 | -35016 | 2421004 | 1442633 |
| Σ 10y | Cumulative net cashflow | -377477 | Equity at exit | 1442633 | |
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.