Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Renovated 3-bedroom flat overlooking Kreis 1
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
-7068
10-yr return
50%
Net cashflow / mo
-7068
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
4382500 CHF
Down payment (30%)
1314750 CHF
Acquisition fees (4.0%)
175300 CHF
Mortgage principal
3067750 CHF
Total cash-in at close
1490050 CHF
🏦 Financing
Loan amount
3067750 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
13608 CHF
Annual debt service
163301 CHF
📊 Year-1 operating P&L
Gross rent
+122710
Operating costs (18%)
−22088
Net operating income (NOI)
100622
− Debt service
−163301
− Income tax (22%)
−22137
Net cashflow
-84816 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 122710 | 22088 | -84816 | 4448238 | 1471156 |
| Y2 | 124551 | 22419 | -83639 | 4514961 | 1630748 |
| Y3 | 126419 | 22755 | -82444 | 4582685 | 1793595 |
| Y4 | 128315 | 23097 | -81231 | 4651426 | 1959765 |
| Y5 | 130240 | 23443 | -80000 | 4721197 | 2129331 |
| Y6 | 132194 | 23795 | -78750 | 4792015 | 2302366 |
| Y7 | 134176 | 24152 | -77482 | 4863895 | 2478942 |
| Y8 | 136189 | 24514 | -76195 | 4936854 | 2659138 |
| Y9 | 138232 | 24882 | -74888 | 5010907 | 2843030 |
| Y10 | 140305 | 25255 | -73562 | 5086070 | 3030698 |
| Σ 10y | Cumulative net cashflow | -793008 | Equity at exit | 3030698 | |
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.