Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Montmartre
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
2.7%
Cashflow / mo
-4321
10-yr return
32%
Net cashflow / mo
-4321
EUR · after debt service & taxes
Cap rate
2.7%
NOI ÷ asking price
Cash-on-cash
-6.5%
Year-1 cashflow ÷ cash-in
10-yr total return
32%
2.8% annualised
💼 Acquisition
Asking price
2131100 EUR
Down payment (30%)
639330 EUR
Acquisition fees (7.5%)
159833 EUR
Mortgage principal
1491770 EUR
Total cash-in at close
799163 EUR
🏦 Financing
Loan amount
1491770 EUR
Mortgage rate
4.10%
Term
25 years
Monthly payment
7957 EUR
Annual debt service
95481 EUR
📊 Year-1 operating P&L
Gross rent
+74589
Operating costs (22%)
−16409
Net operating income (NOI)
58179
− Debt service
−95481
− Income tax (25%)
−14545
Net cashflow
-51846 EUR
📈 10-year projection
2.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 74589 | 16409 | -51846 | 2173722 | 716922 |
| Y2 | 76080 | 16738 | -50974 | 2217196 | 796828 |
| Y3 | 77602 | 17072 | -50083 | 2261540 | 879125 |
| Y4 | 79154 | 17414 | -49176 | 2306771 | 963895 |
| Y5 | 80737 | 17762 | -48249 | 2352907 | 1051222 |
| Y6 | 82352 | 18117 | -47305 | 2399965 | 1141192 |
| Y7 | 83999 | 18480 | -46341 | 2447964 | 1233896 |
| Y8 | 85679 | 18849 | -45359 | 2496923 | 1329427 |
| Y9 | 87392 | 19226 | -44356 | 2546862 | 1427884 |
| Y10 | 89140 | 19611 | -43334 | 2597799 | 1529367 |
| Σ 10y | Cumulative net cashflow | -477023 | Equity at exit | 1529367 | |
Modelling assumptions
- Country baseline: FR — operating costs 22% of gross rent, income tax 25%, capital appreciation 2.0%/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.