Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in Ouchy
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
-4946
10-yr return
56%
Net cashflow / mo
-4946
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
3404400 CHF
Down payment (30%)
1021320 CHF
Acquisition fees (4.0%)
136176 CHF
Mortgage principal
2383080 CHF
Total cash-in at close
1157496 CHF
🏦 Financing
Loan amount
2383080 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
10571 CHF
Annual debt service
126855 CHF
📊 Year-1 operating P&L
Gross rent
+105536
Operating costs (18%)
−18997
Net operating income (NOI)
86540
− Debt service
−126855
− Income tax (22%)
−19039
Net cashflow
-59354 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 105536 | 18997 | -59354 | 3455466 | 1142819 |
| Y2 | 107119 | 19282 | -58342 | 3507298 | 1266793 |
| Y3 | 108726 | 19571 | -57314 | 3559907 | 1393295 |
| Y4 | 110357 | 19864 | -56271 | 3613306 | 1522379 |
| Y5 | 112012 | 20162 | -55212 | 3667506 | 1654101 |
| Y6 | 113693 | 20465 | -54137 | 3722518 | 1788516 |
| Y7 | 115398 | 20772 | -53047 | 3778356 | 1925684 |
| Y8 | 117129 | 21083 | -51940 | 3835031 | 2065663 |
| Y9 | 118886 | 21399 | -50816 | 3892557 | 2208514 |
| Y10 | 120669 | 21720 | -49675 | 3950945 | 2354297 |
| Σ 10y | Cumulative net cashflow | -546108 | Equity at exit | 2354297 | |
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.