Marketplace Deal
Leipzig Apartment Block – Connewitz
Leipzig, Germany · Multi-family
Deal Score
83/ 100
Excellent
Gross Yield
10.74%
Cap Rate
8.27%
Faktor
9.3×
Pre-Tax Cashflow
984 €
/moTax Refund (AfA)
-269 €
/moAfter-Tax Cashflow
715 €
/moDSCR
1.60
EKR (Cash-on-Cash)
13.21%
Total Invested
132.000 €
AI Investment Commentary
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Year 1 Cashflow Breakdown
Einnahmen & Ausgaben — monthly view
+715 €
after-tax / month
+
Gross Rental IncomeKaltmiete
3.400 €-
Vacancy Deduction7% Leerstand
−238 €=
Effective IncomeNettomieteinnahmen
3.162 €-
Mortgage InterestZinszahlung (Jahr 1)
−1.211 €-
Principal RepaymentTilgung
−425 €-
Operating ExpensesHausgeld & Verwaltung
−542 €=
Pre-Tax CashflowCashflow vor Steuern
984 €-
AfA Depreciation (2.5%)Abschreibung p.a. (steuerlich)
−769 €+
Tax Refund (42% rate)Steuerrückerstattung
269 €=
After-Tax CashflowCashflow nach Steuern
715 €Faktor
9.3×
AfA Base (80%)
369.000 €
Annual AfA
9.225 €
Annual Tax Refund
-3.227 €
Annual Breakdown
Net Annual Cashflow11.805 €
10-Year Equity & Cashflow
Property Value Projection
Year 10510.688 €
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 | −14.535 € | 5.104 € | +12.813 € | -3.651 € | +9.162 € | +764 € |
| Year 2 | −14.301 € | 5.339 € | +13.853 € | -4.186 € | +9.667 € | +806 € |
| Year 3 | −14.055 € | 5.584 € | +14.925 € | -4.739 € | +10.186 € | +849 € |
| Year 4 | −13.799 € | 5.840 € | +16.031 € | -5.312 € | +10.719 € | +893 € |
| Year 5 | −13.530 € | 6.109 € | +17.172 € | -5.903 € | +11.269 € | +939 € |
| Year 6 | −13.250 € | 6.389 € | +18.348 € | -6.515 € | +11.833 € | +986 € |
| Year 7 | −12.956 € | 6.683 € | +19.561 € | -7.148 € | +12.413 € | +1.034 € |
| Year 8 | −12.649 € | 6.990 € | +20.811 € | -7.802 € | +13.009 € | +1.084 € |
| Year 9 | −12.328 € | 7.311 € | +22.101 € | -8.479 € | +13.622 € | +1.135 € |
| Year 10 | −11.992 € | 7.647 € | +23.431 € | -9.178 € | +14.253 € | +1.188 € |
| 10-Year Total | −133.395 € | 62.996 € | +179.046 € | +-62.913 € | +116.133 € | avg 968 €/mo |
Financial Summary
Purchase Price
380.000 €
Down Payment
57.000 €
Loan Amount
323.000 €
Monthly Mortgage
1.637 €
NOI (Annual)
31.444 €
Annual Debt Service
19.639 €
German Tax Analysis (AfA / Steuerrückerstattung)
AfA Rate
2.5% p.a.
Annual AfA Deduction
9.225 €
Year 1 Interest Paid
14.535 €
Taxable Rental Income (V+V)
7.684 €
Annual Tax Refund
-3.227 €
After-Tax Annual Cashflow
8.578 €