Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, Presqu'île · Ref 8690
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
3.6%
Cashflow / mo
-855
10-yr return
50%
Net cashflow / mo
-855
EUR · after debt service & taxes
Cap rate
3.6%
NOI ÷ asking price
Cash-on-cash
-4.8%
Year-1 cashflow ÷ cash-in
10-yr total return
50%
4.2% annualised
💼 Acquisition
Asking price
573400 EUR
Down payment (30%)
172020 EUR
Acquisition fees (7.5%)
43005 EUR
Mortgage principal
401380 EUR
Total cash-in at close
215025 EUR
🏦 Financing
Loan amount
401380 EUR
Mortgage rate
4.10%
Term
25 years
Monthly payment
2141 EUR
Annual debt service
25690 EUR
📊 Year-1 operating P&L
Gross rent
+26376
Operating costs (22%)
−5803
Net operating income (NOI)
20574
− Debt service
−25690
− Income tax (25%)
−5143
Net cashflow
-10260 EUR
📈 10-year projection
2.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 26376 | 5803 | -10260 | 584868 | 192897 |
| Y2 | 26904 | 5919 | -9951 | 596565 | 214397 |
| Y3 | 27442 | 6037 | -9637 | 608497 | 236540 |
| Y4 | 27991 | 6158 | -9316 | 620667 | 259348 |
| Y5 | 28551 | 6281 | -8988 | 633080 | 282845 |
| Y6 | 29122 | 6407 | -8654 | 645742 | 307052 |
| Y7 | 29704 | 6535 | -8313 | 658656 | 331996 |
| Y8 | 30298 | 6666 | -7966 | 671829 | 357700 |
| Y9 | 30904 | 6799 | -7611 | 685266 | 384191 |
| Y10 | 31522 | 6935 | -7250 | 698971 | 411496 |
| Σ 10y | Cumulative net cashflow | -87946 | Equity at exit | 411496 | |
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.