Investment Calculator

Return, cash flow and payback period for buyers of an income property on Lake Como

Initial investment

Purchase price

€

Renovation

€

Mortgage

Down payment: 30%

Interest rate: 3.8%

Mortgage term: 25 years

Expected return

Gross annual revenue

€

Operating costs: 30% of revenue

Indicative estimate based on public parameters. The actual figure factors in the area's booking history, competitor analysis, our proprietary dynamic pricing algorithm and local seasonal drivers — variables we only compute in our dedicated analysis.

Cash-on-cash return

8.3%

Annual return on the down payment

Cap rate

6.8%

Net income / property value

Payback period

12.0 years

Time to recover the down payment

Monthly cash flow

+€894

After mortgage and expenses

Annual financial breakdown

Total investment

€430,000

Down payment

€129,000

Mortgage

€301,000

Monthly mortgage payment

€1,556

Gross annual revenue

€42,000

Operating costs

-€12,600

Net operating income (NOI)

€29,400

Annual mortgage

-€18,669

Annual cash flow

+€10,731

Annual net cash after mortgage, operating costs and expenses.

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