Marketplace Deal
Düsseldorf Mixed-Use – Bilk
Düsseldorf, Germany · Mixed-use
Deal Score
96/ 100
Excellent
Gross Yield
8.31%
Cap Rate
6.12%
Faktor
12.0×
Pre-Tax Cashflow
478 €
/moTax Refund (AfA)
-191 €
/moAfter-Tax Cashflow
286 €
/moDSCR
1.22
EKR (Cash-on-Cash)
11.12%
Total Invested
171.000 €
AI Investment Commentary
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Year 1 Cashflow Breakdown
Einnahmen & Ausgaben — monthly view
+286 €
after-tax / month
+
Gross Rental IncomeKaltmiete
3.600 €-
Vacancy Deduction6% Leerstand
−216 €=
Effective IncomeNettomieteinnahmen
3.384 €-
Mortgage InterestZinszahlung (Jahr 1)
−1.352 €-
Principal RepaymentTilgung
−821 €-
Operating ExpensesHausgeld & Verwaltung
−733 €=
Pre-Tax CashflowCashflow vor Steuern
478 €-
AfA Depreciation (2%)Abschreibung p.a. (steuerlich)
−843 €+
Tax Refund (42% rate)Steuerrückerstattung
191 €=
After-Tax CashflowCashflow nach Steuern
286 €Faktor
12.0×
AfA Base (80%)
505.800 €
Annual AfA
10.116 €
Annual Tax Refund
-2.297 €
Annual Breakdown
Net Annual Cashflow5.733 €
10-Year Equity & Cashflow
Property Value Projection
Year 10698.837 €
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 | −16.224 € | 9.851 € | +6.775 € | -2.734 € | +4.041 € | +337 € |
| Year 2 | −15.833 € | 10.242 € | +7.851 € | -3.350 € | +4.501 € | +375 € |
| Year 3 | −15.426 € | 10.649 € | +8.960 € | -3.987 € | +4.973 € | +414 € |
| Year 4 | −15.003 € | 11.071 € | +10.104 € | -4.645 € | +5.459 € | +455 € |
| Year 5 | −14.564 € | 11.511 € | +11.285 € | -5.326 € | +5.959 € | +497 € |
| Year 6 | −14.107 € | 11.968 € | +12.503 € | -6.029 € | +6.474 € | +539 € |
| Year 7 | −13.632 € | 12.443 € | +13.760 € | -6.756 € | +7.004 € | +584 € |
| Year 8 | −13.138 € | 12.937 € | +15.056 € | -7.508 € | +7.548 € | +629 € |
| Year 9 | −12.624 € | 13.451 € | +16.393 € | -8.286 € | +8.107 € | +676 € |
| Year 10 | −12.090 € | 13.985 € | +17.772 € | -9.089 € | +8.683 € | +724 € |
| 10-Year Total | −142.641 € | 118.108 € | +120.459 € | +-57.710 € | +62.749 € | avg 523 €/mo |
Financial Summary
Purchase Price
520.000 €
Down Payment
104.000 €
Loan Amount
416.000 €
Monthly Mortgage
2.173 €
NOI (Annual)
31.808 €
Annual Debt Service
26.075 €
German Tax Analysis (AfA / Steuerrückerstattung)
AfA Rate
2% p.a.
Annual AfA Deduction
10.116 €
Year 1 Interest Paid
16.224 €
Taxable Rental Income (V+V)
5.468 €
Annual Tax Refund
-2.297 €
After-Tax Annual Cashflow
3.437 €