Analyze real estate investments with confidence – clear numbers instead of gut feeling

Zefaj Finance brings together property and purchase data, financing, costs, and forecasts in one central digital workspace. So you can see, clearly and structured, how a property may develop economically over the long term based on your own assumptions.

Zefaj Finance dashboard

Why real estate decisions are often hard to compare

In a property investment, many factors interlock: purchase price, loan, interest, repayment, running costs, taxes, and rent development. Without clear calculation logic and a structured analysis, it often remains unclear which assumption affects the investment in which way.

Scattered investment data

Scattered investment data

Key property figures are scattered across Excel files, bank documents, exposés, invoices, and personal notes. Zefaj Finance brings purchase data, financing, costs, returns, and cash flow together in one central property overview. The result is a clear picture of the economic situation of every property.

Analyze a property
Structured analysis workspace

Structured analysis workspace

One or any number of properties sit centrally and structured in one place, with purchase data, property information, financing, costs, and planned measures. Every change to your inputs updates the analysis and shows how assumptions affect cash flow, returns, remaining debt, and the long-term development of the property.

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Long-term development

Long-term development

Analysis of rental income, financing, costs, taxes, and cash flow over a freely defined period. The platform makes visible how your property develops year after year and which assumptions particularly influence long-term viability and returns.

View forecast

From a single property to a portfolio

From your first property to long-term portfolio analysis – Zefaj Finance guides your calculation step by step and shows how purchase data, financing, costs, and assumptions affect your property investment.

1. Create a property

Capture the purchase price, living space, current portfolio value, rental income, and basic property data. Building depreciation is automatically factored into the analysis based on the stored building value.

2. Simulate different loans

Create any number of loans per property with individual terms, interest rates, repayment rates, and financing types. All loans are shown cumulatively in one combined chart, so you can clearly analyze the overall development of remaining debt, interest and repayment progression, and the impact of your entire financing structure.

3. Manage costs & create an operating plan

Record maintenance, modernization, and apportionable and non-apportionable costs clearly in one operating plan. Non-apportionable costs can be modeled in the year of payment or spread over several years, and flow automatically into the cash flow and return calculation.

4. Analyze cash flow & returns

Evaluate annual rental income, cash flow before and after taxes, return metrics, and the cumulative development over the chosen analysis period – clearly presented in tables and charts.

5. Keep your portfolio in view

Analyze multiple properties in one central dashboard. All relevant data is aggregated and presented in clear charts and central key figures, so you can review your entire portfolio in one structured place – without switching into the detail views of individual properties. This includes, among other things, the total portfolio value, total cash flow, average return, and the development of remaining debt.

Who is Zefaj Finance for?

The platform is built for private and commercial real estate investors, landlords, and property managers of investment properties who want not just to manage their existing assets and new property investments, but to understand them financially.

Real estate investors

Analyze new property investments, compare financing options, and recognize early how an asset develops over the long term. Make well-founded decisions based on clear metrics for cash flow, returns, and remaining-debt development – tailored to your individual assumptions.

Cash flowReturnsRemaining debt

Landlords

Keep the rents, loans, costs, and annual results of your properties in one central view. In cost management, you can capture apportionable and non-apportionable costs in a structured way and trace their impact on your analysis.

RentsLoansCost allocation

Property managers

Prepare economic property information clearly and create a transparent basis for conversations with owners, investors, or internal decision-makers.

Property dataReportsOwners & investors

Clear access to your property analysis

Start free with your first property, or use the Investor plan for complete analyses, operating cost planning, financing management, and long-term portfolio evaluations.

Who it is for

For property investors and landlords who want to evaluate their properties based on numbers and track them long term.

Flexible access

Start free after registration and switch to the Investor plan when needed. Access is billed monthly and can be cancelled anytime.

No unnecessary complexity

No setup fees, no hidden costs, and no long-term commitment. You keep full control over your access at all times.

Free plan

Get to know the platform and analyze your first property for free.

€0.00/ Month

No bank details required

Investor

For getting started with up to 3 properties and full analyses and reporting.

€5.35/ month incl. VAT

Up to 3 properties. Full access to analyses, financing, costs and cash flow.

Investor Plus

For growing portfolios with up to 6 properties and the full feature set.

€8.35/ month incl. VAT

Up to 6 properties. Full access to all features.

Investor Pro

Popular

For professionals with unlimited properties and the full feature set.

€10.00/ month incl. VAT

Unlimited properties. Full access to all features.

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Features
Investor Pro
Create properties
Unlimited
Property data & overview
Full
Portfolio dashboard
Full with key figures & charts
Financing manager
Multiple loans per property
Financing terms
Multiple terms per loan
Cash flow forecast
Full
Edit cash flow assumptions
Cash flow table & chart
Fully usable
Cost & operating plan
Create, edit & evaluate
Cost management
Evaluate multiple properties
Priority support
Real Estate Investment Analysis | Zefaj Finance