❄️ Building equity...
🎲 Risk Simulator
📅 Investor Timeline Key Milestones
1
⚡
Loan Stabilization
DSCR > 1.2
5
💰
Safe Refinance
LTV < 70%
10
🏠
Next Property
20% Equity
⏳
Investment Horizon
20-year projection
€0
Final Equity
€0
Total Cashflow
📊 Mortgage vs Cash Comparison
Leveraged
Unleveraged
Difference
€114,580
Cash pays 120% more upfront
💰
Monthly CF
Mortgage
€454
Cash
€1,010
Difference:
-€557
💵
Cash-on-Cash
Mortgage
5.7%
Cash
5.8%
Difference:
-0.1%
🏠
5-Year Equity
Mortgage
€140,067
Cash
€231,857
Difference:
-€91,790
📈
DSCR
Mortgage
1.81
Cash
N/A
Risk:
✅ Safe
💡
Key Insight
Mortgage requires 54% less initial capital but generates 55% less monthly cashflow.
📈
Return Analysis
Leverage Impact
⚡
Leverage Impact
+2.6%
ROI (Cash): 5.8%
ROE (Leveraged): 8.4%
💡
Using leverage amplifies your return from 5.8% to 8.4% on your invested capital, a +45% boost in return on equity.
📈
20-Year Projection
Detailed annual performance
Positive CF
Negative CF
Loan Period
Equity Build-up
10 yrs
10 yrs
Year 1
Year 10
Year 20
| Year | Property Value | Loan Balance | Equity | Annual CF | Monthly CF |
|---|
Total Cashflow (20 yrs)
€0
from Year 10
Final Equity
€0
+0% from purchase
Break-even Year
10
when CF turns positive
ROI (20 yrs)
0%
total return
✅ Active: With Mortgage