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2-room residential property in Löbtau, Dresden
Löbtau, Dresden
- Purchase price
- €142,000
- Living area
- 46.3 m²
- Rooms
- 2
- Location
- Löbtau
Approximate locality · Löbtau, Dresden
Investment at a glance
A practical start with long-term potential
- Cash needed to acquire
- €14,910
- Acquisition costs beyond the purchase price
- Estimated monthly cash flow
- −€401.50 / month
- At purchase
- Projected equity in 10 years
- €92,138
- 4% scenario · €142,000 loan · €780 / month bank payment
- Estimated annual tax benefit
- €2,433
- Potential benefit under the stated tax assumptions
Equity outlook uses the returned middle value-growth scenario, a €142,000 loan, €780 / month bank payment and a modelled 31-year financing horizon.
How this property could grow over time
Illustrative value scenarios over 25 years. Projections are not guaranteed.
3% growth4% growth5% growth
A Closer Look at the Property
- Neighborhood
- Löbtau
- City
- Dresden
- Property type
- Residential
- Purchase price
- €142,000
- Living area
- 46.3 m²
- Rooms
- 2
- Floor
- fourth floor
- Year built
- 1,900
- Occupancy
- Rented
- Bank interest rate (saved)
- 5.31%
- Property management
- Managed by Alpha Minoris
- Buyer commission
- 2%
- Last modernization
- 2,014
Balcony · No
Parking · No
Fitted kitchen · Yes
Advisor's description
“A vacant 2-room apartment in a listed 1900 building, modernized in 2014. The 46.34 m² unit offers fitted kitchen, floor heating, shower bathroom, cellar and a central Löbtau address.”
Alpha Minoris advisor
Income Profile
Rental note
“The apartment is vacant, allowing a new tenant and fresh lease to be chosen from day one. This gives flexibility to position the rent according to current demand in Löbtau.”
Alpha Minoris advisor
- Status
- Rented
- Actual cold rent · actual
- €485 / month
- Net rent per m²
- €10.47 / m²
- Parking rent
- €0 / month
- Rented since
- 01 Oct 2026
Local benchmark
Alpha Minoris curated rent records
- Dresden
- €11.63 / m² n = 11
What It Takes to Get Started
Price per square metre comparison
Where this property sits
€2,420.00 / m²€5,175.00 / m²
The guide range uses the configured city limits. The city benchmark uses the returned active marketplace sample; this is not a valuation.
Your Potential Tax Advantage
Some costs of an investment property can reduce taxable rental income. For high earners, that can create a meaningful tax advantage and improve the real economics of holding the property.
- Annual cold rent
The actual or estimated cold rent used in this Exposé over 12 months.
- €5,820
Apartment and parking cold rent
- Estimated annual interest
Only the interest part of the loan is considered here, not principal repayment.
- €7,495
5.31% interest assumption
- Owner-paid Hausgeld
The property costs paid by the owner rather than passed through to the tenant.
- €696
Owner-paid Hausgeld over 12 months
- Depreciation (AfA)
A government-allowed annual write-off on the building value, not the land value.
- €2,840
2.5% on €113,600 building basis
Adjust AfA
AfA is the annual building write-off shown in the card before this one. Adjust the assumption to see its effect below.
Temporary scenario; resets on reload.
Vermieter Autopilot
Let Alpha Minoris handle day-to-day rental management.
- Rent tracking
- Tenant communication
- Maintenance coordination
Included in this property
The saved management fee is included.
Interest rate (Sollzins)
Initial repayment (Tilgung)
Down payment
Enter an amount from EUR 0 to €142,000. Figures retain the last valid scenario.
Default financing
- Down payment
- Loan amount
- Monthly installment
Visible calculation
How the estimate is built
Estimated annual advantage
€2,433- +Annual cold rent
- €5,820
- −Estimated annual interest
- €7,495
- −Owner-paid Hausgeld
- €696
- −Property management
- €582
- −Depreciation (AfA)
- €2,840
Estimated taxable rental result
Rent less interest, owner-paid Hausgeld, management and AfA
Tax-reducing amount€5,793
× 42% marginal rate€2,433
Potential monthly net income increase
Estimated annual advantage divided by 12
Illustrative estimate, not tax advice. Assumes a 42% marginal tax rate, a 5.31% annual interest rate and the entered property financing terms. AfA is estimated at 2.5% for a building completed in 1,900, using the recorded construction year as a completion-year proxy. It applies to the returned 80% building share and excludes the 20% land share. Actual deductible costs and tax outcomes depend on individual circumstances.
Your Monthly Cash Flow
Rent minus the bank installment, owner-paid Hausgeld and any Vermieter Autopilot management cost gives the before-tax cash flow. The signed estimated monthly tax effect is then applied to show the final result. Positive means cash retained; negative means cash contributed by the owner.
Today's monthly calculation
Income − costs + tax effect = cash flow
- +Apartment rent
- €485 / month
- +Parking rent
- €0 / month
- −Bank installment
- €780 / month
- −Owner-paid Hausgeld
- €58 / month
- −Vermieter Autopilot
- €48.50 / month
- Cash flow before tax
- −€401.50 / month
- Estimated monthly tax effectPositive is relief; negative is estimated tax payable
- +€202.76 / month
- Cash flow after taxIncome less costs, including the estimated tax effect
- −€198.74 / month
Cash flow over time
How tax changes your monthly result
The neutral marker shows cash flow before tax. The solid bar shows the result after the estimated tax effect. A green connector is estimated tax relief; a red connector is estimated tax payable.
After-tax cash flowBefore-tax markerTax reliefTax payable
| Year | Before tax | Estimated tax effect | After tax |
|---|---|---|---|
| Now | −€401.50 / month | +€202.76 / month | −€198.74 / month |
| Year 1 | −€379.68 / month | +€190.05 / month | −€189.63 / month |
| Year 2 | −€356.76 / month | +€176.68 / month | −€180.08 / month |
| Year 3 | −€332.69 / month | +€162.62 / month | −€170.07 / month |
| Year 4 | −€307.43 / month | +€147.85 / month | −€159.58 / month |
| Year 5 | −€280.90 / month | +€132.32 / month | −€148.59 / month |
| Year 6 | −€253.04 / month | +€115.99 / month | −€137.06 / month |
| Year 7 | −€223.80 / month | +€98.82 / month | −€124.97 / month |
| Year 8 | −€193.09 / month | +€80.78 / month | −€112.31 / month |
| Year 9 | −€160.85 / month | +€61.81 / month | −€99.03 / month |
| Year 10 | −€126.99 / month | +€41.87 / month | −€85.12 / month |
Values below zero are monthly owner contributions; values above zero are monthly cash retained. Acquisition costs are excluded.
Tenant utilities of €160 / month are shown for transparency but excluded from cash flow.
Advisor note
“The monthly top-up remains noticeable at the current price, but the vacant setup and monument status improve the strategic angle. Rent level and tax treatment should be checked carefully.”
Alpha Minoris advisor
Long-Term Ownership Value
What you put in vs what it could build
Property growth and loan repayment build equity over time. Any positive monthly cash flow after the estimated tax effect is shown separately as retained rental income.
Owner cash invested includes acquisition cash and any required monthly owner contributions after the estimated tax effect. These are illustrative projections, not guaranteed returns.
Year 10
A meaningful holding milestone
Assumes 4% annual property value growth
- Owner cash invested after tax
- €33,151
- Rental income generated
- €0
- Projected equity
- €92,1382.8x
- Estimated property value
- €210,1951.5x
How projected equity is calculated. Projected equity is the €210,195 estimated property value minus the €118,057 remaining loan. 16.86% of the original financing is modelled as repaid after 10 years. The buyer is the legal owner of 100% of the property from purchase.
Year 25
Year-25 ownership outlook
Assumes 4% annual property value growth
- Owner cash invested after tax
- €36,479
- Rental income generated
- €36,721
- Projected equity
- €331,1579.1x
- Estimated property value
- €378,5492.7x
How projected equity is calculated. Projected equity is the €378,549 estimated property value minus the €47,392 remaining loan. 66.63% of the original financing is modelled as repaid after 25 years. The buyer is the legal owner of 100% of the property from purchase.
Property vs. Stock Market
The same tax-adjusted owner cash is used in both paths. The property result is projected equity plus retained rental income; the stock result invests that cash in MSCI World.
One chart · two time horizons
The same owner cash, compared side by side
- Property growth assumption
- 4%
- MSCI World growth assumption
- 8%
- Owner cash by year 10 after tax
- €33,151
- Owner cash by year 25 after tax
- €36,479
After 10 years
After 25 years
After 10 years
Property and stocks
- Property result
- €92,1382.8x
- MSCI World
- €60,8141.8x
What makes up the property result
- Projected equity
- €92,138
- Retained rental income
- €0
€92,138 projected equity + €0 retained rental income = €92,138 property result.
After 25 years
Property and stocks
- Property result
- €367,87810.1x
- MSCI World
- €201,9955.5x
What makes up the property result
- Projected equity
- €331,157
- Retained rental income
- €36,721
€331,157 projected equity + €36,721 retained rental income = €367,878 property result.
Owner cash means acquisition cash plus any required monthly owner contributions after the estimated tax effect. If monthly cash flow is non-negative, owner cash remains the acquisition cash. The benchmark assumes matching contributions and reinvested growth; fees, taxes and volatility are not modelled.
“This is not just a small rental unit, but a character-led investment in a central, well-connected Dresden district. The listed-building angle may create additional tax relevance, while the vacant handover keeps rental strategy flexible. The deal needs disciplined rent planning and possibly price negotiation, but it has a stronger story than a standard compact apartment.”
Alpha Minoris advisor verdict
Alpha Minoris
Version 1 · generated 30 Sept 2026