Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, 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
-1130
10-yr return
56%
Net cashflow / mo
-1130
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
777800 CHF
Down payment (30%)
233340 CHF
Acquisition fees (4.0%)
31112 CHF
Mortgage principal
544460 CHF
Total cash-in at close
264452 CHF
🏦 Financing
Loan amount
544460 CHF
Mortgage rate
2.40%
Term
25 years
Monthly payment
2415 CHF
Annual debt service
28983 CHF
📊 Year-1 operating P&L
Gross rent
+24112
Operating costs (18%)
−4340
Net operating income (NOI)
19772
− Debt service
−28983
− Income tax (22%)
−4350
Net cashflow
-13561 CHF
📈 10-year projection
1.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 24112 | 4340 | -13561 | 789467 | 261099 |
| Y2 | 24473 | 4405 | -13329 | 801309 | 289423 |
| Y3 | 24841 | 4471 | -13094 | 813329 | 318325 |
| Y4 | 25213 | 4538 | -12856 | 825529 | 347816 |
| Y5 | 25591 | 4606 | -12614 | 837912 | 377911 |
| Y6 | 25975 | 4676 | -12369 | 850480 | 408621 |
| Y7 | 26365 | 4746 | -12120 | 863237 | 439959 |
| Y8 | 26760 | 4817 | -11867 | 876186 | 471940 |
| Y9 | 27162 | 4889 | -11610 | 889329 | 504577 |
| Y10 | 27569 | 4962 | -11349 | 902669 | 537884 |
| Σ 10y | Cumulative net cashflow | -124769 | Equity at exit | 537884 | |
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.