Overview
The analysis suite comprises four specialised tools: ImmoCheck evaluates the financial side of a property with cash flow, yields and tax effects. LocationCheck analyses location quality using socio-economic data and infrastructure. EnergyCheck classifies energy consumption and highlights optimisation potential. ScenarioCheck simulates what-if scenarios for rent, financing and taxes and compares up to five variants.
ImmoCheck: from deal analysis to property onboarding
On its welcome page, ImmoCheck offers two clear entry points – depending on what you want to do. With the 'Property analysis' option you start a guided six-step workflow for purchase decisions: you capture the property data and purchase price, have purchase-related costs calculated automatically for each region, configure one or more loans including interest, amortisation and fixed-interest period, define your tax and depreciation settings, set assumptions for value and rent development, and finally record expected rent, operating costs, reserves and rent-default risk. To speed up data entry, PDF upload, free-text input and Magic Fill are available – the AI fills in many fields automatically based on your inputs.
With the 'Add property' option you switch to a leaner rental workflow, optimised specifically for units already in your portfolio: you record the key property data, features and fittings, the actual rental income and the current monthly operating costs, and can optionally mark the property as already paid off. Via the portfolio import you can also bring in several properties at once from CSV or Excel. In both cases the result is a cleanly structured property record that feeds directly into dashboards, portfolio views, scenario simulations and further analyses and is kept continuously up to date.
Automatic data capture
You can upload a PDF property listing (max. 10 MB). The AI automatically extracts data for the first three chapters – purchase price, floor area, year of construction, address and fittings.
Once the first three chapters are complete, Magic Fill becomes available. This feature suggests plausible values for the remaining fields based on the data already entered and market benchmarks. The suggestions serve as guidance and should be reviewed.
Calculated metrics
The analysis delivers the following results:
- Cash flow before and after tax, calculated monthly and annually. The calculation takes rental income, operating costs, debt service, reserves and tax effects into account.
- Gross rental yield and rent multiplier with a classification against benchmark values. You see how your property compares to the market.
- Return on equity taking into account the capital invested and the debt financing.
- Wealth growth through amortisation and forecast appreciation.
- Tax position showing the tax burden or tax refund as well as the annual tax depreciation.
Development charts
Interactive charts show the development over selectable periods of 10, 30 or 50 years:
- The cash-flow development visualises how your monthly surplus changes over the years – before and after tax.
- The wealth chart shows the cumulative build-up through amortisation and appreciation.
- The debt-service development breaks down interest and principal over the loan term.
- The depreciation chart shows the annual tax depreciation and the book-value trajectory.
- The exit analysis calculates the forecast proceeds and total return for any chosen sale date.
Built-in calculators
The form includes helper calculators for complex inputs: an IMU calculator determines the monthly IMU (municipal property tax). The interest calculator helps you estimate market-standard interest rates. The tax calculator works out your personal marginal tax rate. The enhanced depreciation checker links to an external eligibility check.
LocationCheck – location analysis with over 12 criteria
LocationCheck assesses the quality of a location on two levels: socio-economic factors and infrastructure. The result is a score from 0 to 100 for each category plus an overall rating.
Socio-economic assessment
For the socio-economic analysis the system needs a complete address with postcode. Six criteria are assessed:
- Unemployment rate at the location in percent. Lower values lead to higher scores.
- Crime rate as offences per 100,000 inhabitants.
- Average income of residents as an annual figure.
- Income development as the annual change in percent.
- Population growth as an indicator of the location's attractiveness.
- Average age as a measure of the age structure.
The data comes from official statistics. Without a postcode, the socio-economic assessment is limited.
Infrastructure analysis
The infrastructure assessment is based on live data and analyses six areas:
- Local public transport captures bus, tram, metro and suburban rail stops within the defined radius.
- Long-distance connections assess the accessibility of railway stations, airports and motorway junctions.
- Education counts schools, universities and colleges nearby.
- Leisure captures parks, cultural venues, libraries and sports facilities.
- Shopping assesses the supply of supermarkets, pharmacies and specialist shops.
- Proximity to major cities measures the distance to the nearest metropolis.
Location-type detection
The system automatically detects the location type: major city (over 100,000 inhabitants), town (20,000–100,000) or rural (under 20,000). Different search radii and assessment standards are applied depending on the type. In rural areas, for example, a lower public transport density is expected than in major cities.
Individual weightings
In the settings you can adjust the weighting of each criterion. The total must add up to 100% in each case – for the socio-economic criteria overall and for the infrastructure criteria per location type.
For infrastructure criteria you can also set the search radius and the scoring divisor. A smaller divisor means the maximum score is reached more quickly.
Result presentation
The results page shows three score cards: socio-economic score, infrastructure score and overall rating. A detail table lists each criterion with its measured value, score (0–10) and weighting.
A map shows the analysed location. Street View is additionally available in the detail view. The AI produces a written summary of the location's strengths and weaknesses.
EnergyCheck – classify and optimise energy consumption
EnergyCheck calculates a property's energy-efficiency class and highlights optimisation potential. The analysis is based on four inputs: floor area, year of construction, heating type and final energy consumption.
Input parameters
The floor area covers all heated rooms in square metres – excluding cellar, garage or balcony.
The year of construction influences the energy classification, since older buildings typically show higher consumption.
Ten heating types are available: gas, oil, electric, district heating, heat pump, solar thermal, individual stoves, CHP, biomass, wood and coal. Several heating types can be combined.
The final energy consumption in kWh/(m²·a) can be entered directly or calculated automatically. For the automatic calculation you enter the previous year's actual consumption – in the unit of the respective heating type (m³ of gas, litres of oil, kWh of electricity, etc.).
Calculated values
The analysis delivers the annual heating energy consumption in kWh, the estimated annual heating costs, consumption per square metre, the energy-efficiency class from A+ to H and CO₂ emissions in kg per year.
An efficiency chart shows all classes from A+ to H with their thresholds. A marker shows where your property sits.
The benchmark comparison sets your figures against the typical costs of a modern new build and a typical older building.
Optimisation recommendations
For efficiency classes B to H, optimisation recommendations are shown. Each measure shows the savings potential in percent, the annual cost saving, estimated investment costs, payback period, available subsidies and the CO₂ reduction.
The heating-system comparison sets your current system against an alternative. You see the annual costs, CO₂ emissions and efficiency of both systems.
The renovation simulator lets you combine several measures: roof insulation, wall insulation, window replacement and heating replacement. Sliders let you set the scope of each measure. The system calculates the resulting total saving, the new efficiency class, the annual cost saving and the CO₂ reduction.
ScenarioCheck – what-if simulation
The scenario simulation calculates a property's financial development based on your inputs for rent, costs, financing and taxes. Vary individual parameters and see immediately how changes affect cash flow and yield. Compare up to five scenarios and properties side by side and export the results as a PDF.
Create a scenario – start flexibly
For each scenario you choose a starting point: an empty scenario for fully manual inputs, or an existing portfolio property whose values are taken over automatically.
Five parameter areas
The financing area covers interest rate, amortisation, loan amount, equity and loan type. The rent and costs area includes net rent, parking rent, recoverable and non-recoverable costs, maintenance, IMU (municipal property tax) and rent-default risk. In the growth area you define the annual growth rates for rent and property value. The tax and depreciation area captures depreciation type, depreciation rate, enhanced depreciation, personal tax rate and land share. The simulation period defines how many years the calculation runs – typically 10, 30 or 50 years.
Metrics and charts
KPI cards show gross rental yield, rent multiplier and return on equity at a glance. A pie chart visualises the cost structure, and trend charts show the development of cash flow, wealth growth and debt service over the simulation period.
Compare scenarios
On the comparison page you set up to five scenarios or portfolio properties side by side. A table lists all relevant metrics – from base data through rental income and operating costs to taxes, depreciation and result metrics. Positive cash flows are highlighted in green, negative ones in red.
Start the scenario simulation now
Documentation and further use
All four analysis tools offer PDF export. The exported documents contain all metrics, charts and AI evaluations.
Properties from ImmoCheck can be transferred directly into the portfolio. There they are available for ongoing management and monitoring.
An AI assistant is available on all form and results pages. It answers questions about individual metrics, explains calculation formulas and gives guidance on interpreting the results.
Supported regions
LocationCheck is available for Italy. ImmoCheck and EnergyCheck work independently of location, while the automatic purchase costs in ImmoCheck are geared to the Italian regions.