2-room residential property in Löbtau, Dresden
Löbtau, Dresden
- Purchase price
- €145,000
- Living area
- 49 m²
- Rooms
- 2
- Location
- Löbtau
Approximate locality · Löbtau, Dresden
Investment at a glance
A practical start with long-term potential
- Cash needed to acquire
- €17,502
- Acquisition costs beyond the purchase price
- Estimated monthly top-up
- €249 / month
- At purchase
- Projected equity in 10 years
- €111,850
- 4% scenario · full purchase-price financing
- Estimated value in 10 years
- €214,635
- Middle 4% value scenario
Equity outlook uses the returned middle value-growth scenario, full purchase-price financing, and the modelled 25-year annuity.
How this property could grow over time
Illustrative value scenarios over 25 years. Projections are not guaranteed.
3% growth4% growth5% growth
Map data © OpenStreetMap contributors
A Closer Look at the Property
- Neighborhood
- Löbtau
- City
- Dresden
- Property type
- Residential
- Purchase price
- €145,000
- Living area
- 49 m²
- Rooms
- 2
- Floor
- first floor
- Year built
- 1,996
- Occupancy
- Not rented
- Buyer commission
- 3.57%
- Last modernization
- 2,024
- Modernization details
- Heating System was renovated in 2024
Balcony · Yes
Parking · No
Fitted kitchen · No
Energy certificate
Class C
Valid until
01 Aug 2034
A+ABCDEFGH
Advisor's description
“This is a practical 2-room apartment in a location that is easy to understand from an investor’s point of view. The size is sensible, the balcony and lift help, and the overall setup should appeal to a broad tenant group rather than a narrow niche.”
Alpha Minoris advisor
Income Profile
Rental note
“The apartment is currently vacant, which means there is some work to do at the start, but that is also where the opportunity sits. Since the unit has been recently renovated, there is a realistic chance to position it more cleanly in the market and let it out at a stronger rental level.”
Alpha Minoris advisor
- Status
- Not rented
- Estimated cold rent · estimated
- €564 / month
- Net rent per m²
- €11.50 / m²
Local benchmark
Alpha Minoris curated rent records
- Dresden
- €11.41 / m² n = 8
What It Takes to Get Started
Price per square metre comparison
Where this property sits
€2,959.18 / m²
Property
Comparison shown for quick orientation using the returned city benchmark. It is not a valuation.
Your Cash Commitment Over Time
The monthly top-up is the difference between projected rent and the property's fixed owner-paid costs. The annual view shows how rent growth can change that commitment over time.
Incoming
- +Apartment rent
- €564
Outgoing
- −Estimated monthly installment
- €751
- −Owner-paid Hausgeld · actual
- €61
Estimated monthly top-up€249 / month
Affordability over time
Your cash commitment over time
Apartment rent grows 5%; owner costs stay flat
Advisor note
“The more relevant story here is the combination of vacancy, renovation, and location quality. If the apartment can be let well, the numbers should look more interesting than they do on a static first pass.”
Alpha Minoris advisor
Long-Term Ownership Value
What you put in vs what it could build
Rental income generated is not total rent collected. It is the rent retained by the owner after the estimated installment and owner-paid Hausgeld; together with property growth, it can build ownership value over time.
These are illustrative projections, not guaranteed returns. Tax and financing outcomes depend on individual circumstances.
Year 10
A meaningful holding milestone
- Owner cash invested
- €30,892
- Rental income generated
- €990
- Projected equity
- €111,8503.6x
- Estimated property value
- €214,6351.5x
For privately held German property, a sale after the ten-year holding period may fall outside the private-sale tax window. Individual tax circumstances apply.
Year 25
The modelled loan horizon
- Owner cash invested
- €30,892
- Rental income generated
- €92,491
- Projected equity
- €386,54612.5x
- Estimated property value
- €386,5462.7x
This point represents the end of the modelled 25-year financing term, not a guaranteed repayment outcome.
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.
- €6,762
Apartment and parking cold rent
- Estimated annual interest
Only the interest part of the loan is considered here, not principal repayment.
- €6,525
4.5% interest assumption
- Owner-paid costs
The property costs paid by the owner rather than passed through to the tenant.
- €732
Owner-paid Hausgeld over 12 months
- Depreciation (AfA)
A government-allowed annual write-off on the building value, not the land value.
- €2,320
2% on €116,000 building basis
Visible calculation
How the estimate is built
- +Annual cold rent
- €6,762
- −Estimated annual interest
- €6,525
- −Owner-paid costs
- €732
- −Depreciation (AfA)
- €2,320
Estimated taxable rental result
Rent less interest, owner-paid costs and AfA
Tax-reducing amount€2,815
× 42% marginal rate€1,182
Annual advantage ÷ 12€99 / month
Monthly top-up after tax
Before-tax top-up minus estimated monthly tax relief
€249 − €99 = €150 / monthPrimary estimate
Estimated annual tax advantage
€1,182€2,815 × 42% = €1,182 estimated annual advantage
Before tax vs after tax monthly top-up
Before tax, the estimated monthly top-up is €249 / month. After estimated tax relief, it is €150 / month.
The comparison applies the returned estimated monthly tax relief to the existing before-tax top-up. Actual timing depends on the investor's tax filing and assessment.
Illustrative takeaway
What the returned estimate could mean for you
- Estimated annual tax advantage
- €1,182
- Estimated monthly tax relief
- €99 / month
- Monthly top-up after tax
- €150 / month
Illustrative estimate, not tax advice. Assumes a 42% marginal tax rate, a 4.5% annual interest rate and full purchase-price financing. AfA is estimated at 2% for a building completed in 1,996, 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.
“Löbtau is a convenient and well-connected part of Dresden, and being able to reach the Hauptbahnhof in around 15 minutes by one tram line is a meaningful advantage for tenant demand. For an investor who is comfortable with some upfront letting work and is thinking in terms of long-term hold rather than instant yield, this could be a sensible opportunity.”
Alpha Minoris advisor verdict
Alpha Minoris
Version 1 · generated 14 Aug 2026