Marketplace Deal
Berlin Apartment – Kreuzberg
Berlin, Germany · Apartment
Deal Score
86/ 100
Excellent
Gross Yield
6.75%
Cap Rate
4.86%
Faktor
14.8×
Pre-Tax Cashflow
54 €
/moTax Refund (AfA)
-5 €
/moAfter-Tax Cashflow
49 €
/moDSCR
1.04
EKR (Cash-on-Cash)
8.63%
Total Invested
123.000 €
AI Investment Commentary
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Year 1 Cashflow Breakdown
Einnahmen & Ausgaben — monthly view
+49 €
after-tax / month
+
Gross Rental IncomeKaltmiete
1.800 €-
Vacancy Deduction4% Leerstand
−72 €=
Effective IncomeNettomieteinnahmen
1.728 €-
Mortgage InterestZinszahlung (Jahr 1)
−760 €-
Principal RepaymentTilgung
−480 €-
Operating ExpensesHausgeld & Verwaltung
−433 €=
Pre-Tax CashflowCashflow vor Steuern
54 €-
AfA Depreciation (2%)Abschreibung p.a. (steuerlich)
−522 €+
Tax Refund (42% rate)Steuerrückerstattung
5 €=
After-Tax CashflowCashflow nach Steuern
49 €Faktor
14.8×
AfA Base (80%)
313.200 €
Annual AfA
6.264 €
Annual Tax Refund
-64 €
Annual Breakdown
Net Annual Cashflow651 €
10-Year Equity & Cashflow
Property Value Projection
Year 10430.053 €
10-Year Annual Projection
Annual Summary — interest, principal, tax refund & cashflow
| Year | Zinsen Interest | Tilgung Principal | CF vor St. Pre-Tax | Steuerrückerstattung Tax Refund | CF nach St. After-Tax | Monatlich After-Tax/mo |
|---|---|---|---|---|---|---|
| Year 1 | −9.120 € | 5.765 € | +1.169 € | -281 € | +888 € | +74 € |
| Year 2 | −8.897 € | 5.988 € | +1.703 € | -600 € | +1.103 € | +92 € |
| Year 3 | −8.665 € | 6.220 € | +2.255 € | -929 € | +1.326 € | +111 € |
| Year 4 | −8.425 € | 6.460 € | +2.824 € | -1.269 € | +1.555 € | +130 € |
| Year 5 | −8.175 € | 6.710 € | +3.412 € | -1.621 € | +1.791 € | +149 € |
| Year 6 | −7.916 € | 6.970 € | +4.018 € | -1.984 € | +2.034 € | +170 € |
| Year 7 | −7.646 € | 7.239 € | +4.644 € | -2.360 € | +2.284 € | +190 € |
| Year 8 | −7.366 € | 7.519 € | +5.290 € | -2.749 € | +2.541 € | +212 € |
| Year 9 | −7.075 € | 7.810 € | +5.956 € | -3.151 € | +2.805 € | +234 € |
| Year 10 | −6.773 € | 8.112 € | +6.643 € | -3.566 € | +3.077 € | +256 € |
| 10-Year Total | −80.058 € | 68.793 € | +37.914 € | +-18.510 € | +19.404 € | avg 162 €/mo |
Financial Summary
Purchase Price
320.000 €
Down Payment
80.000 €
Loan Amount
240.000 €
Monthly Mortgage
1.240 €
NOI (Annual)
15.536 €
Annual Debt Service
14.885 €
German Tax Analysis (AfA / Steuerrückerstattung)
AfA Rate
2% p.a.
Annual AfA Deduction
6.264 €
Year 1 Interest Paid
9.120 €
Taxable Rental Income (V+V)
152 €
Annual Tax Refund
-64 €
After-Tax Annual Cashflow
587 €