Launching Q3 2026 · Berlin, München, Leipzig

Own a rental property.
Without becoming
a landlord.

Germany's pension won't cover your future. An ETF won't either. We put a cash-flowing Berlin apartment in your portfolio: found, financed and fully managed by an AI that does the work of five professionals.

Join waitlist → See the numbers
· 4,812 on the waitlist
· €118M in properties analysed
· § 34i GewO licensed partner
€1,000,000
Average pension shortfall for a German born in 1996.
3.1%
Real, after-tax return on a typical ETF-Sparplan. Before you panic-sell.
15
Stages between you and owning a rental property. We compress them to one.
0%
Capital-gains tax after year 10. Stocks don't do this.
Interactive demo · fully clickable

Buy your first rental on a lunch break.

Click through a real purchase flow: tell the AI what you want, watch it find, analyse and financially model properties live, then sign and hand the keys over to autopilot.

vermieter-autopilot.de / app
↳ click anywhere , everything is interactive

Good morning, Mira.

Your apartment in Leipzig-Plagwitz paid rent this morning. Nothing needs you today.
Net cash flow · Apr
€412
+€38 vs. Mar
Equity built
€42,180
+€1,284 this month
Property value
€319,000
+2.8% YoY
Projected @ 65
€1.21M
covers 118% of pension gap

Autopilot log

08:14
Rent received , €780 from L. Weber Posted to Grundbuch ledger. SEPA confirmed. Tenant's 27th on-time payment.
Auto
Yesterday
Nebenkostenabrechnung 2025 drafted All 14 cost positions allocated by Wohnfläche. Draft waiting for your signature (2 min).
Auto
Apr 14
Boiler service booked , Klempner Meyer, €180 Cheapest of 4 quotes. Booked for Apr 22, 10:00. Tenant confirmed.
Auto
Apr 12
Interest rate alert Your Anschlussfinanzierung in 2029 looks 0.4pp cheaper. We'll check again in 6 weeks.
Advisory
Apr 09
AfA optimisation , €1,840 saved Reclassified two 2025 invoices from Herstellungs- to Erhaltungsaufwand. Filed with Elster.
Auto

30-year projection

Property equity €1.21M ETF-Sparplan €520K
€1.2M €800K €400K €0
2026203620462056
✓
Pension gap closed at age 58. You'll work 7 fewer years than your cohort.

Your apartment · Leipzig-Plagwitz

Owned / mira-01
Purchased
Jun 2024 · €278,000
Equity
€63K · 24%
Cold rent
€780 / mo
After-tax yield
11.8%
Mortgage paid
12%
Tax shield used
68%
Spekulationsfrist
1.8/10y

Your portfolio.

Three properties · live valuations refresh every 15 min from Sprengnetter, ImmoScout24 and Gewos.
Total market value
€873,400
▲ +€4,820 today · +€28,400 YTD (+3.4%)
Monthly net cash flow
€1,286
+€142 vs last month
Equity built
€118,420
+€3,740 this quarter
Blended after-tax yield
10.4%
+0.6pp YoY
Debt serviced
14.2%
€124K / €873K
#
Property
Ticker
Value
Today
Yield
30d
Status
Plagwitz-LoftLeipzig · 62 m²
LEI·PLG
€319,000
▲ +€1,420 · +0.4%
11.8%
Live
Sendling-AltbauMünchen · 48 m²
MUC·SND
€384,200
▲ +€2,840 · +0.7%
9.2%
Live
Neukölln-HofBerlin · 54 m²
BER·NKL
€170,200
▼ −€560 · −0.3%
10.1%
Closing · Jun 12

Portfolio-wide news · last 48h

08:02
ECB holds rate at 2.75%, flags two more cuts in 2026 Affects all 3 properties · cheaper Anschlussfinanzierung from Q1 2027 onwards.
+€6,200estimated (5y)
Yesterday
Berlin Senate caps Neukölln Kiez rent rises at inflation Hits BER·NKL only. AI already switched your rent model to index-linked staffelmiete.
−€1,840annual rent delta
2 days
Leipzig tram extension to Plagwitz approved for 2028 Connects your Plagwitz-Loft to Hauptbahnhof in 11 minutes. Historical comp: +6–9% uplift within 18 months of opening.
+€24,000projected value lift

Plagwitz-Loft

Karl-Heine-Straße 83 · 04229 Leipzig · 62 m² · 2 Zi. · Bj. 1904
● Live · Sprengnetter Plagwitz-Loft
LEI · PLG · MIRA-01 Updated 14:32 · 15-min auction tick
€319,000
▲ +€1,420 today · +€41,000 since purchase (+14.7%)
Bought
€278,000 · Jun 2024
Equity
€63,400 · 24.1%
Rent (cold)
€780 / mo
Yield net
11.8%

Market value · last 12 months

ECB −25bp Boiler repair €1.4k Tram plan approved €319k · today €325k €305k €285k May '25 Aug Nov Feb '26 Apr '26
Tram extension approved ECB cut 25bp Boiler repair Rent indexation +3.1% Neighbour sold +9% comp

News, with estimated impact on this property

2d ago
Leipzig tram line 15 extension to Plagwitz approved for 2028
LVZ · verified · 87% confidence
Short-term
+€2,400
Long-term (5y)
+€24,000
5d ago
ECB holds 2.75%, signals two cuts in 2026
Reuters · Handelsblatt · 92% confidence
Short-term
±€0
Anschluss '29
−€48 / mo
3w ago
New Aldi Süd confirmed for Karl-Heine-Straße 112
Leipziger Amtsblatt · 81% confidence
Rent ceiling
+€18 / mo
Resale appeal
+€4,100
2m ago
Heating act update: mandatory efficiency audit by 2030
BMWSB announcement · 100% confidence
CAPEX needed
−€6,800
KfW grant eligible
+€4,200

Chat with this property

Plagwitz-Loft LEI·PLG · speaks for itself
Good afternoon, Mira. I have been updating myself with three news items since your last visit. Ask me anything, I know my books.
Should I sell now or wait for the tram?
Wait. Based on comparable transit-announcement uplifts in Leipzig (Lindenau 2019, Gohlis 2021), my market value should climb 6–9% within 18 months of opening. Selling today leaves roughly €21,500 on the table after tax.
Renovate by €15k? Cash flow vs plan Tenant vs market Spekulationsfrist?
✓
Discover
2
AI analysis
3
Financing
4
Notary
5
Autopilot

Your co-pilot is reading the file.

Teilungserklärung, WEG-Protokolle 2019–2025, Energieausweis, Mietvertrag. 243 pages. ~4 seconds.
✦
Autopilot
gpt-style reasoning · reading 243-page dossier

Red flags · auto-detected

!
WEG reserves below Peters-Rechnung minimum , rough-estimate shortfall of €14,200 for façade works before 2028.
!
Asbestos mentioned in 2021 protocol , confined to a basement pipe, not a deal-breaker, but request a written Sanierungserklärung.
✓
Energy class C, renovation 2021 , safe from the 2028 §-71 GEG minimum, no forced retrofit.
i
Mietspiegel delta +18% , you can lift the current rent by €140 at next Staffelmiete adjustment.
✓
Discover
✓
AI analysis
3
Financing
4
Notary
5
Autopilot

Leipziger Straße 42, Plagwitz

2-room, 58 m² · listed €285,000 · recommended bid €271,500
Under review / leipzig-plagwitz-001
A+ · Autopilot score 92

Financing · 3 offers from 742 banks

Sparkasse Leipzig
3.42%
10y fixed · 2% Tilgung
✓ Autopilot's pick
ING
3.51%
10y · 2% Tilgung
DKB
3.48%
10y · 1.5% Tilgung

Location · Plagwitz

Zukunftsatlas rank
#42 / 400
Pop. growth 5y
+6.4%
Avg rent €/m²
13.80

Autopilot score

92
/ 100
Strong buy
top 4% of this week's listings
Yield fit
94
Location score
88
Building condition
82
Tax fit for Mira
96
Liquidity risk
78

The numbers · your pocket

Purchase price (negotiated)€271,500
Kaufnebenkosten (Notar, GrESt, Makler)€29,865
Equity required€62,800
Monthly gross rent+ €780
Mortgage (Sparkasse)– €958
Non-recoverable costs + reserve– €142
AfA + interest tax refund+ €268
Net cash flow · month 1– €52
Crosses zero in month 14. Positive €400+ by year 5 as rent catches up to Mietspiegel.
✓
Discover
✓
AI analysis
✓
Financing
4
Notary
5
Autopilot

Ready to sign.

Autopilot translated the 47-page Kaufvertrag from legal German into plain English and highlighted 3 clauses worth negotiating.
§ 5 Gewährleistung

Der Verkäufer übernimmt keine Gewähr für Sachmängel des Kaufgegenstandes, soweit arglistiges Verschweigen nicht vorliegt. Der Kaufgegenstand wird in dem gegenwärtigen, dem Käufer bekannten Zustand verkauft…

Der Verkäufer versichert, dass ihm keine verdeckten Mängel bekannt sind, insbesondere keine Schäden an der tragenden Bausubstanz, keine Feuchtigkeit im Kellergeschoss, keine Schwammbefall…

§ 8 Besitzübergang

Der Besitzübergang erfolgt mit vollständiger Zahlung des Kaufpreises auf das Notaranderkonto. Ab diesem Zeitpunkt gehen Nutzen und Lasten, Gefahr und Verkehrssicherungspflicht auf den Käufer über…

Die Übergabe der Wohnung erfolgt spätestens am 30.06.2026 um 10:00 Uhr vor Ort. Eine förmliche Übergabeniederschrift ist zu erstellen.

Translation & flags

✎
§5 missing "Dachgeschoss" check , add explicit confirmation that attic insulation is up to 2024 GEG standard. Standard ask, usually accepted.
€
Notaranderkonto clause is fair , you pay only after Auflassungsvormerkung is recorded. Your money is safe.
📅
Handover set 30 June , we'll schedule the Übergabeprotokoll, meter reading, and tenant key handoff automatically.

Notar slots · Leipzig

Tax, done for you.

Your Anlage V is 94% complete. Autopilot keeps it updated monthly. Your Steuerberater can sign it in 10 minutes.

Anlage V · 2025

Einnahmen aus Vermietung€9,360
AfA (2% linear)– €4,200
Schuldzinsen– €8,140
Erhaltungsaufwand– €1,840
Sonstige Werbungskosten– €612
Verlust zur Verrechnung€5,432
Reduces Mira's 42%-Steuerklasse income. Estimated refund: €2,281.

Documents · Grundbuch ledger

📄 Kaufvertrag Leipzig 2024.pdfsigned · OCR'd
📄 Grundbuchauszug 04/2026.pdffetched · auto
📄 WEG-Protokoll 2024.pdfsummary · 3 key points
📄 Mietvertrag Weber.pdfindexed
📄 NK-Abrechnung 2024 (sent).pdfsent · tenant accepted
📄 NK-Abrechnung 2025 (draft).pdfneeds 1-click sig
How it works

Five screens. One evening.
A property for life.

01

Tell it what you want

"I earn €4,200 net, I want €400/mo passive, low effort, in an up-and-coming city." 30 seconds.

02

It finds & analyses

Scours 47 listing sources plus off-market. Reads every document in seconds. Gives you an honest score.

03

Financing in parallel

742 partner banks compete for your loan while the AI negotiates the purchase price.

04

Notary with training wheels

We translate every clause, flag every trap, and sit next to you on signing day.

05

Autopilot takes over

Rent collection, repairs, NK-Abrechnung, Anlage V, tenant comms , all handled. Forever.

06

You live your life

Your phone stays quiet. Your equity compounds. Your pension gap closes seven years early.

The math, unflattering edition

A €278,000 Leipzig flat
vs. a €280/mo ETF plan.

ETF-Sparplan · MSCI World

€520K
at 65
Contribution / month€280
Assumed nominal return7.0%
After inflation~5.0%
After Abgeltungssteuer~3.1%
Emotional firewallnone
Leverage1×
Tax on sale after year 1026.375%

Rental property · Autopilot

€1.21M
at 65
Equity down (once)€63,000
Monthly owner contribution€52 → €0 (y2)
Rental yield + appreciation3.9% + 3.1%
After-tax Eigenkapitalrendite11.8%
Emotional firewallno daily mark-to-market
Leverage4.4×
Tax on sale after year 100%
Not advice. Not a guarantee. These are the same numbers Hypofriend publishes on its own site, run on a typical Mira-sized German household at 42% Steuerklasse. The property outperforms because Germany's tax code was written, deliberately, to reward landlords.
Trust, built in

We're regulated, and we act like it.

§ 34i GewO licensed

Every mortgage recommendation comes from a licensed advisor. The AI drafts; humans sign.

Your data stays in Frankfurt

GDPR-native. EU AI Act compliant. Grundbuchauszüge and salary slips never leave German soil.

No hidden kickbacks

Flat €4,900 success fee and €19/mo for autopilot. No commission-split from banks. Ever.

01 How is this different from Hypofriend or Interhyp?
They are mortgage brokers. They stop the moment your loan closes. Alpha Minoris starts before you pick a city and keeps running for 30 years: property sourcing, due diligence, negotiation, notary prep, rent collection, Nebenkostenabrechnung and Anlage V. One operator across the full purchase and ownership lifecycle.
02 Am I still in control? Who actually advises me?
You stay in control. The platform helps you decide faster: it sorts through listings, documents and financing offers for you, summarises the trade-offs, and only acts after you approve. Every regulated recommendation (financing, tax filing) is reviewed and signed off by registered advisors and Steuerberater working on our team. You get the speed of software with the accountability of a regulated professional.
03 How much money do I need to start?
Around €25,000 in savings and a stable net income above €3,500 per month gets most customers financed. The AI runs an affordability check in under a minute and shows the exact bands where our partner banks will lend to your profile.
04 What does it cost?
A flat €4,900 success fee when you close on a property, and €19 per month for autopilot (rent collection, Nebenkostenabrechnung, tax draft, repair coordination). No hidden commissions from banks. No kickbacks from Makler.
05 What if the property needs a repair?
The tenant reports it in a chat. The AI triages, requests three quotes from vetted Handwerker, picks the cheapest that meets quality bars, books the appointment, pays the invoice and files the Beleg for your tax return. You approve anything above €300 with one tap.
06 Can I use this if I do not speak German?
Yes. The product is fully bilingual (EN / DE) and every document, from Kaufvertrag to WEG-Protokoll, is translated and annotated for you. Expats are one of our three core customer profiles.
07 What happens if a tenant does not pay?
Autopilot sends the legally required Mahnungen on day one, day fourteen and day thirty. If the tenant is still in arrears after 60 days we hand the case to our partner law firm for Räumungsklage. Around 98% of cases resolve at the first Mahnung.
08 How do you handle my data?
Servers in Frankfurt, data processed under GDPR and the EU AI Act. Grundbuchauszüge, salary slips and Schufa scores never leave German soil. You can export or delete everything we hold with a single click.
09 Can I sell the property later?
Any time. If you sell after ten years of ownership the capital gain is tax free under the Spekulationsfrist. We prepare the sales dossier, the Energieausweis and the marketing, and we run the same kind of off-market search for the next buyer that we ran for you.
10 When can I actually start?
Public launch is Q3 2026 in Berlin, München and Leipzig, with further cities following that winter. Joining the waitlist today gets you early access and a waived success fee on your first property.

The pension system won't save you.
A Leipzig apartment might.

4,812 Germans already waiting. No credit card, no Schufa check to join.