Build Real Estate Wealth
Turnkey Assets. Big-Data Validated.
We eliminate guesswork from real estate investing.
While we design your investment alongside experienced partners, we mathematically secure every decision.
We validate every property through independent market analysis and AI-driven auditing processes for maximum transparency.
Where decades of experience meet uncompromising loyalty.
In traditional real estate sales, the old saying often holds true: ‘He who pays the piper calls the tune.’ We break this system. While tied agents often prioritize the interests of the product providers, we stand by your side as independent partners. We act as a fiduciary strategy partner – committed solely to your goals.
In cooperation with our Developer partner, we combine this objective guidance with the execution experience of over 700 successfully designed properties. We utilize this exclusive market access to implement high-efficiency overall concepts that eliminate traditional brokerage commissions (0% commission), securing you a direct financial advantage from day one.
700+ Realized Units
Neutral Validation
0% Commission
AI & Big Data Check
Why Real Estate is
the Foundation of Every Wealth Strategy?
Benefit from the unique advantages of tangible asset investments.
Land Registry Security
You are the legal owner with full rights to your property.
Yield Expectations
Benefit from attractive and stable long-term return opportunities.
Inflation Protection
Rental income and asset value rise in correlation with inflation.
Retirement Security
Secure a lifelong passive income through regular rental earnings.
Leverage Effect
Use bank capital to build significant wealth with minimal equity.
Tax Benefits
Real estate offers various ways to effectively reduce your tax burden.
Value Stability
Historically, real estate is considered one of the most stable forms of investment.
Capital Appreciation
Take advantage of the high potential for organic growth in value over the years.
Wealth Accumulation
Your property largely pays for itself through rental income.
Protect Yourself First
Where decades of experience meet uncompromising loyalty.
In traditional real estate, the old saying often holds true: ‘He who pays the piper calls the tune.’ We are here to change that dynamic.
We stand by your side with a client-centric mindset and act as your strategic partner—dedicated to your long-term wealth goals.
By using Big Data analytics to validate every deal, we ensure that our recommendations are based on objective mathematical criteria, providing a level of transparency that goes beyond traditional sales incentives.
700+ Realized Units
0% Commission
Neutral Validation
AI & Big Data Check
Why Real Estate is
the Foundation of Every Wealth Strategy?
Leverage the structural strengths of vetted investment properties.
Land Registry Security
You are the legal owner with full rights to your property.
Yield Expectations
Benefit from attractive and stable long-term return opportunities.
Inflation Protection
Rental income and asset value rise in correlation with inflation.
Retirement Security
Secure a lifelong passive income through regular rental earnings.
Leverage Effect
Use bank capital to build significant wealth with minimal equity.
Tax Benefits
Real estate offers various ways to effectively reduce your tax burden.
Value Stability
Historically, real estate is considered one of the most stable forms of investment.
Capital Appreciation
Take advantage of the high potential for organic growth in value over the years.
Wealth Accumulation
Your property largely pays for itself through rental income.
5 Proven Paths to Real Estate Wealth
There is no such thing as the "perfect" property.
There is only the strategy that aligns with your financial goals, time horizon, and risk profile.
We have scanned the market and identified five core concepts that meet our rigorous validation criteria.
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The Tax Brake
Maximum Depreciation (AfA) & Subsidies
Convert your tax burden into private wealth.
Leverage special tax write-offs and government interest subsidies for maximum equity growth.
Ideal for: High-income earners seeking tax relief.
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Mathematics Decide, Not just a Brochure
An investment is not an end in itself.
Not every concept fits every stage of life or every risk profile.
We do not view ourselves as salespeople, but as the authority that subjects your calculation to a mathematical stress test.
While the traditional market often focuses on "sugarcoating" returns, we specifically look for the reasons NOT to buy.
Our goal is not a quick deal, but a portfolio that remains resilient even 20 years from now, regardless of changing market conditions.
Our Promise:
"We won't just show you why a property makes sense; We will show you under which mathematical conditions it would fail. Honesty is our most valuable asset."
The Buzz
about Us
out of our founding phase
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I wanted high ROI but was terrified of renovation risks. Karmartha was brutally honest about the trade-off: Higher yield usually means more headache. Then they showed me the solution: A concept where a professional partner handles the execution, while Karmartha handles the due diligence.
Gustav
I was skeptical about the pricing of a property. The location seemed good, but I needed proof. Karmartha didn't just forward the exposé; they forced me to look at the downsides too...
Markus
As a busy professional, I wanted to invest in real estate but dreaded the management effort. Karmartha introduced me to several concepts by one of their specialized partners that solves exactly that...
Ray
I am planning to buy my first property soon and had a lot of doubts. Erik is being incredibly patient. He isn't rushing the process; he finds new ways to explain the math until I truly understand the leverage effect.
Leon
I brought my existing portfolio to Karmartha because I wasn't sure if I should hold or sell. They ran a market valuation that was shockingly precise—far more detailed than free online tools. The data highlighted potential future risks.
Anna
I always knew the old saying: 'The profit is made at the purchase.' But finding such a deal and managing it is impossible with my job. Karmartha connected me with a partner who had already secured the property at a top price... Karmartha’s value was in the relentless analysis of the calculation.
Kiren
Specialized properties sounded attractive, but I was worried about the complexity compared to standard apartments. Karmartha didn't sugarcoat it—they used their educational resources to explain exactly how this asset class works.
Vanessa
I was deciding between two projects. Visually, I liked one better, but Karmartha urged me to ignore the glossy brochures and look at the hard facts. I feel safe knowing my decision is based on proven growth indicators, not emotions.
Laura
Our Methodology
Systematic Auditing Instead of Guesswork.
We follow a clear, structured process to separate the wheat from the chaff.
Based on experience from over 700 units, an auditing system has been developed to evaluate every property objectively.
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Final Validation
(AI-Powered Comparison)
In the final step, we utilize technology to verify the available data and documents. This serves as an additional safeguard for your decision before a property is included in our portfolio.
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Plausibility Check
(Mathematical Audit)
We verify the economic viability of the property. All key metrics are scrutinized to ensure the calculation remains sustainable for you as an investor.
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Pre-Selection
(Market Filter)
From the mass of available properties, we specifically filter out those that meet our core requirements regarding location, building substance, and partner expertise.
Our Quality Guarantee
Every property in our portfolio is
Off-Market
(Not publicly accessible)
Exclusive
(Reserved for our clients)
Audited
(Substance & legal security)
Evaluated
(Via independent data)
Rent-Checked
(To secure long-term yields)
Our Strict Audit Criteria
We evaluate every investment strictly based on
Micro-location
(Neighborhood & immediate surroundings)
Macro-location
(Economic strength & region)
Condition
(Building substance & degree of modernization)
Rentability
(Sustainable market demand)
Our Process
From Strategic Audit to Successful Execution.
1
The Audit
-> Which Concept Right for You?
The Foundation: Before we begin, we clarify the foundation. A video intro prepares you for our meeting. In the audit, we analyze your financial starting point and your goals (tax optimization vs. wealth accumulation).
Reality Check: Why haven't you invested yet? We remove uncertainty through our professional partner network (surveyors, property management, tax) and pre-check which strategy truly fits your creditworthiness.
2
The Academy & The Live Property
-> Knowledge into Action
Self-Study: In this phase, you move from observer to investor. In our Academy, you learn how calculations are structured, how to read them and what matters for different concepts.
Live Matching: In the second meeting, we bring your knowledge and data together. Based on your financial disclosure, we present a suitable, bank-verified property. We dive deep into the calculation and simulate scenarios (e.g., interest rate developments) so you understand 100% of the math behind your success.
3
Analysis & Decision
-> Transparency Creates Trust
Clarifying Questions: After receiving the conceptual proposal, you have time to reflect. In the third meeting, we answer all your questions live.
Radical Transparency: We subject the property to an AI Audit (checking the fine print) and validate the price through independent market data.
The Decision: Once all three checks (Bank, AI, Market) are green, you make an informed decision and initiate the reservation.
4
Execution & Service
-> We Take the Wheel
Coordination: Once you have decided, we coordinate the entire process.
Full Service: We manage the financing through our partners, prepare the notary appointment, and guide you closely until the final signature and beyond. You invest – we manage the execution for you.
The German real estate market differs significantly in structure from international markets.
High closing costs, complex tax laws and strong tenant protections require a sober analysis beyond emotions.
At Karmartha, we do not inspect the building fabric ourselves – certified surveyors and partners handle that. We challenge the concepts, verify the calculations and use independent external software to analyze offers rigorously.
Strategy & Economic Basics
This is the decisive factor for the exit strategy.
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The Law: Anyone who sells a privately held property within 10 years must pay tax on the profit at their personal income tax rate (up to 45%).
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The Privilege: After the 10-year period expires, the capital gain on the sale is 100% tax-free. This applies regardless of the amount of profit.
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The Risk: Those compelled to sell before the period ends due to career reasons or liquidity issues lose returns to the tax office.
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The Status Quo: As long as the property is rented out, you can deduct mortgage interest, depreciation (AfA), and administrative costs from your taxes. The tenant pays the principal/amortization.
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The Switch: Upon owner-occupation, all tax deduction possibilities cease. You pay the loan from your net income and bear maintenance costs alone.
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The Analysis: If the partner with the higher tax bracket buys the property alone, the initial tax losses (due to depreciation/interest) have a stronger reducing effect on income tax (resulting in a higher refund).
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Strategic Sale: After 10 years, a tax-free sale to the spouse is possible to generate new depreciation volume.
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Disadvantages: No tax-free sale possible after 10 years. Ongoing costs for accounting/balance sheets (approx. €2,000 p.a.).
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Suitability: Primarily sensible for portfolios > €1 million or a pure focus on cash flow without intention to sell.
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Debt Devaluation: The nominal value of your loan remains the same while the purchasing power of money decreases. Inflation "pays off" your debt in real terms.
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Income Increase: Through index-linked rental contracts, your income rises with inflation.
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Costs & Purchasing Process
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The Liquidity Advantage:
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Commission extra: With a €200k purchase price + €7k broker fee, you often have to pay the €7k in cash (banks are reluctant to finance fees). This eats up equity.
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Commission included: With a €207k purchase price (incl. sales), the bank finances the full amount.
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Conclusion: The model preserves your liquidity. You can co-finance the costs cheaply over 30 years and depreciate them for tax purposes (as part of the building depreciation).
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Split: Approx. 60–70% of this (heating, waste) is paid by the tenant. Approx. 30–40% is paid by the owner (administration, maintenance). Only the owner's part is tax-deductible.
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Rule: Upon purchase, it is fully credited. If you withdraw, the seller often keeps a part for the effort. Our partners generally refund the fee if financing fails through no fault of your own.
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Disadvantages: No tax-free sale possible after 10 years. Ongoing costs for accounting/balance sheets (approx. €2,000 p.a.).
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Suitability: Primarily sensible for portfolios > €1 million or a pure focus on cash flow without intention to sell.
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Scenario Analysis:
Renting, Home Ownership, or Capital Investment?
Note: This calculation serves as a rough initial orientation. A serious decision requires an individual simulation (stress test) of your finances using our analysis software. The Assumption: Budget €2,500/month for housing & savings. Starting capital €50,000.
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Concept: Pay rent (€1,200), invest the rest (€1,300) in stocks/ETFs.
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Course: Rents rise with inflation. The savings budget shrinks in real terms over the years.
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Result: High liquid assets, but high housing cost burden in old age ("Longevity Risk").
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Concept: Purchase for €400,000. Budget flows into bank installments & service charges (Hausgeld).
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Disadvantage: No tax subsidies. Everything is paid from net income. Capital is tied up illiquidly.
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Result: Rent-free living in old age, but low liquid assets.
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Concept: Continue renting. Buy a rented property.
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The Leverage: Rental income largely covers the bank installment. Only a small co-payment (e.g., €200) is necessary. The remaining budget still flows into the ETF.
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Tax: Interest and depreciation generate tax refunds, which are reinvested.
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Result: Paid-off property (financed by tenant/state) PLUS ETF portfolio. Mathematically often the highest wealth growth, but associated with landlord risk.
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