Marketplace Deal
Frankfurt Office – Westend
Frankfurt, Germany · Commercial
Deal Score
94/ 100
Excellent
Gross Yield
8.53%
Cap Rate
6.25%
Faktor
11.7×
Pre-Tax Cashflow
299 €
/moTax Refund (AfA)
-205 €
/moAfter-Tax Cashflow
94 €
/moDSCR
1.15
EKR (Cash-on-Cash)
10.64%
Total Invested
160.500 €
AI Investment Commentary
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Year 1 Cashflow Breakdown
Einnahmen & Ausgaben — monthly view
+94 €
after-tax / month
+
Gross Rental IncomeKaltmiete
3.200 €-
Vacancy Deduction8% Leerstand
−256 €=
Effective IncomeNettomieteinnahmen
2.944 €-
Mortgage InterestZinszahlung (Jahr 1)
−1.125 €-
Principal RepaymentTilgung
−920 €-
Operating ExpensesHausgeld & Verwaltung
−600 €=
Pre-Tax CashflowCashflow vor Steuern
299 €-
AfA Depreciation (2%)Abschreibung p.a. (steuerlich)
−732 €+
Tax Refund (42% rate)Steuerrückerstattung
205 €=
After-Tax CashflowCashflow nach Steuern
94 €Faktor
11.7×
AfA Base (80%)
439.200 €
Annual AfA
8.784 €
Annual Tax Refund
-2.454 €
Annual Breakdown
Net Annual Cashflow3.586 €
10-Year Equity & Cashflow
Property Value Projection
Year 10604.762 €
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 | −13.500 € | 11.042 € | +4.502 € | -2.839 € | +1.663 € | +139 € |
| Year 2 | −13.050 € | 11.492 € | +5.446 € | -3.425 € | +2.021 € | +168 € |
| Year 3 | −12.582 € | 11.960 € | +6.421 € | -4.031 € | +2.390 € | +199 € |
| Year 4 | −12.095 € | 12.448 € | +7.426 € | -4.658 € | +2.768 € | +231 € |
| Year 5 | −11.588 € | 12.955 € | +8.463 € | -5.306 € | +3.157 € | +263 € |
| Year 6 | −11.060 € | 13.482 € | +9.533 € | -5.977 € | +3.556 € | +296 € |
| Year 7 | −10.510 € | 14.032 € | +10.636 € | -6.671 € | +3.965 € | +330 € |
| Year 8 | −9.939 € | 14.603 € | +11.774 € | -7.389 € | +4.385 € | +365 € |
| Year 9 | −9.344 € | 15.198 € | +12.948 € | -8.132 € | +4.816 € | +401 € |
| Year 10 | −8.725 € | 15.818 € | +14.159 € | -8.901 € | +5.258 € | +438 € |
| 10-Year Total | −112.393 € | 133.030 € | +91.308 € | +-57.329 € | +33.979 € | avg 283 €/mo |
Financial Summary
Purchase Price
450.000 €
Down Payment
112.500 €
Loan Amount
337.500 €
Monthly Mortgage
2.045 €
NOI (Annual)
28.128 €
Annual Debt Service
24.542 €
German Tax Analysis (AfA / Steuerrückerstattung)
AfA Rate
2% p.a.
Annual AfA Deduction
8.784 €
Year 1 Interest Paid
13.500 €
Taxable Rental Income (V+V)
5.844 €
Annual Tax Refund
-2.454 €
After-Tax Annual Cashflow
1.131 €