Assess the asset & its income
Review rent, vacancy, operating costs and upcoming investment. Make risks visible and test which assumptions support the purchase price.
Property & financing
One property. Several possibilities for your capital.
I support owners and investors with the purchase, sale and financing of investment property. The focus is how the asset, its income and your next use of capital fit together.
For investment-property owners, apartment-building buyers and investors who want an experienced commercial counterpart for financing or reinvestment decisions.
Your outcomeA clear basis for deciding on an acquisition, disposal, financing or reinvestment.
WHAT WE WORK ON TOGETHER
A clear basis for deciding on an acquisition, disposal, financing or reinvestment.
Prepare financing & negotiation
Bring equity, leverage and debt service together. Structure the information for financing discussions and assess price and terms from an owner’s perspective.
Compare sale & reinvestment
Deduct debt, entered costs and a tax budget from a possible sale price. Compare the capital released with a liquidity reserve and a new investment scenario.
Property & financing
The questions behind your decision.
These documents help with a detailed assessment. For an initial conversation, a short description of your plans is enough.
Should I hold or sell?
The original purchase price does not tell you what your capital could achieve today. Compare current income with the potential net sale proceeds, accounting for costs, taxes, investment needs and the risks of a new asset.
How much borrowing makes sense?
Loan size and purchase price are only part of the equation. What remains after interest, amortisation and necessary investment? What happens under vacancy or higher interest rates? The bank assesses valuation and affordability using its own criteria.
Can I invest from abroad?
The answer depends on buyer status, residence, control of the company and the property’s use. Residential property and commercial premises are treated differently. A Swiss company alone does not create an exemption from Lex Koller; the competent authority determines permit questions.
How we start working together.
- 01
Understand the objective and asset
Clarify whether the priority is income, liquidity, a sale or a new investment.
- 02
Assess capital and resilience
Compare financing, ongoing cash flow and alternatives using transparent assumptions.
- 03
Support the decision and negotiation
Within the agreed scope, I support purchase, sale and financing discussions. Technical condition, law and tax are reviewed by the relevant specialists.
Scope, responsibilities and fees are agreed before the mandate begins. Legal, tax and other specialist reviews are included as appropriate to the project.
YOUR FIGURES. A FIRST PERSPECTIVE.
What room for manoeuvre does your property offer?
Model a sale through to available capital. Then assess reinvestment or switch to the purchase and financing view.
Try it nowLoading your calculator…
What to know before we begin.
Are you a property broker?
My focus is commercial support for the owner or investor: financing, negotiation and use of capital. A traditional property-marketing mandate is not the standard service. Specific tasks are agreed in advance.
Do you assess the building’s technical condition?
I consider the financial implications of investment and development options. Technical inspections, condition surveys and renovation planning belong with qualified building professionals.
Does the calculator guarantee a return?
No. It makes your assumptions and their effects visible. Actual income, prices, financing, taxes and costs can differ. It does not replace a lending decision or an independent valuation.
THE NEXT STEP
Let’s discuss what you have in mind.
Tell me about your situation. We clarify which questions to address first and whether working together makes sense.
Coffee in Zurich · Lunch · Video
connect@jbschmidconsulting.com