Marketplace Deal
Stuttgart Penthouse – Mitte
Stuttgart, Germany · Apartment
Deal Score
89/ 100
Excellent
Gross Yield
5.42%
Cap Rate
4.29%
Faktor
18.5×
Pre-Tax Cashflow
-162 €
/moTax Refund (AfA)
95 €
/moAfter-Tax Cashflow
-67 €
/moDSCR
0.93
EKR (Cash-on-Cash)
9.38%
Total Invested
207.000 €
AI Investment Commentary
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Year 1 Cashflow Breakdown
Einnahmen & Ausgaben — monthly view
-67 €
after-tax / month
+
Gross Rental IncomeKaltmiete
2.800 €-
Vacancy Deduction3% Leerstand
−84 €=
Effective IncomeNettomieteinnahmen
2.716 €-
Mortgage InterestZinszahlung (Jahr 1)
−1.434 €-
Principal RepaymentTilgung
−944 €-
Operating ExpensesHausgeld & Verwaltung
−500 €=
Pre-Tax CashflowCashflow vor Steuern
162 €-
AfA Depreciation (2%)Abschreibung p.a. (steuerlich)
−1.008 €+
Tax Refund (42% rate)Steuerrückerstattung
95 €=
After-Tax CashflowCashflow nach Steuern
67 €Faktor
18.5×
AfA Base (80%)
604.800 €
Annual AfA
12.096 €
Annual Tax Refund
+1.138 €
Annual Breakdown
Net Annual Cashflow-1.945 €
10-Year Equity & Cashflow
Property Value Projection
Year 10833.228 €
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 | −17.205 € | 11.332 € | -1.087 € | +778 € | -309 € | -26 € |
| Year 2 | −16.779 € | 11.758 € | -202 € | +227 € | +25 € | +2 € |
| Year 3 | −16.336 € | 12.201 € | +710 € | -342 € | +368 € | +31 € |
| Year 4 | −15.877 € | 12.660 € | +1.651 € | -930 € | +721 € | +60 € |
| Year 5 | −15.400 € | 13.136 € | +2.622 € | -1.538 € | +1.084 € | +90 € |
| Year 6 | −14.906 € | 13.631 € | +3.623 € | -2.166 € | +1.457 € | +121 € |
| Year 7 | −14.393 € | 14.144 € | +4.655 € | -2.815 € | +1.840 € | +153 € |
| Year 8 | −13.861 € | 14.676 € | +5.720 € | -3.486 € | +2.234 € | +186 € |
| Year 9 | −13.308 € | 15.228 € | +6.818 € | -4.179 € | +2.639 € | +220 € |
| Year 10 | −12.735 € | 15.802 € | +7.950 € | -4.895 € | +3.055 € | +255 € |
| 10-Year Total | −150.800 € | 134.568 € | +32.460 € | +-19.346 € | +13.114 € | avg 109 €/mo |
Financial Summary
Purchase Price
620.000 €
Down Payment
155.000 €
Loan Amount
465.000 €
Monthly Mortgage
2.378 €
NOI (Annual)
26.592 €
Annual Debt Service
28.537 €
German Tax Analysis (AfA / Steuerrückerstattung)
AfA Rate
2% p.a.
Annual AfA Deduction
12.096 €
Year 1 Interest Paid
17.205 €
Taxable Rental Income (V+V)
-2.709 €
Annual Tax Refund
1.138 €
After-Tax Annual Cashflow
-807 €