For Expats in Germany
In this video, I will explain how to buy your first investment property in Germany (9 Steps).
…and save taxes while generating passive income from property — without big upfront capital.
Build financial abundance by investing as little of your own money as possible — and adding new real estate to your portfolio every year.
4.9 of 5 (147 Reviews)
Best of all...
We get results
Don’t take our word for it.
Simona & Pietro Dell'Erba
"We bought 2 apartments without a single euro of our own in equity capital."
Supply Manager | Solution Architect
Patrick Bashala
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Assistant Vice President | Multi Asset Trader
Mikhail Petrow
10% Discount on the Property Deal
Cyber Security Engineer
Naseef Mahmud
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Staff Engineer
Evin Hughes
Bought his first property within 3 months — with 100% financing.
Management Consultant
Ashok Burra
Bought his first property within 2–3 months (€477,000) — financed 100% of the purchase price
Project Manager
Simona & Pietro Dell'Erba
"We bought 2 apartments without a single euro of our own in equity capital."
Supply Manager | Solution Architect
Patrick Bashala
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Assistant Vice President | Multi Asset Trader
Mikhail Petrow
10% Discount on the Property Deal
Cyber Security Engineer
Naseef Mahmud
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Staff Engineer
Evin Hughes
Bought his first property within 3 months — with 100% financing.
Management Consultant
Ashok Burra
Bought his first property within 2–3 months (€477,000) — financed 100% of the purchase price
Project Manager
Why do we get the best results
on the market?
Focus on your specific situation
Other providers
They only sell properties from a few developers, focused on certain types of properties. Like a doctor who only recommends certain medicines, regardless of whether they are suitable or not.
Proper API
We tailor a property strategy that fits and recommend properties accordingly.
Bias
Other providers
They sell their own builds, hiding their margin in the property price — offering a one-size-fits-all solution.
Proper API
We are independent and do not have to recommend properties with high commissions in order to profit
Track Record
Other providers
Other providers Usually on the market for just 2–3 years and without Trustpilot reviews.
Proper API
10+ years on the market with a 4.9 TrustScore on Trustpilot.
International approach
Other providers
Most providers have hardly any experience in international wealth accumulation. There is a lack of knowledge on how to optimally build up assets, even if you leave Germany.
Proper API
We have hundreds of clients who have a flexible, international investment strategy because they are likely to leave Germany at some point. We have also assisted many clients who have left Germany and continue to own property here
Real Estate Deals we sourced for our customers.
Here are real, proven deals we've sourced for our clients — showcasing strategies from tax refunds and passive income to long-term value growth.
Price: €375,000.00
Equity capital: €29,377
Tax Refund in Year 1: €8,950.58
Monthly Net Cash Flow (Year 10): €568.64
Annual Net Cash Flow (Year 10): €6,823.70
Profit After 10 Years: €150,671.49
Save taxes
Price: €432,407.41
Equity capital: €34,592
Tax Refund in Year 1: €7,412.04
Monthly Net Cash Flow (Year 10): €432.34
Annual Net Cash Flow (Year 10): €5,188.05
Profit After 10 Years: €135,086.58
Save Taxes
Price: €477,637.00
Equity capital: €26,270
Tax Refund in Year 1: €2,800.39
Monthly Net Cash Flow (Year 10): €946.09
Annual Net Cash Flow (Year 10): €11,353.14
Profit After 10 Years: €226,428.18
Passive income
Price: €285,000.00
Equity capital: €22,800
Tax Refund in Year 1: €1,593.94
Monthly Net Cash Flow (Year 10): €133.95
Annual Net Cash Flow (Year 10): €1,607.40
Profit After 10 Years: €99,486.19
Value appreciation
Price: €438,875.00
Equity capital: €35,110
Tax Refund in Year 1: €2,653.83
Monthly Net Cash Flow (Year 10): €251.43
Annual Net Cash Flow (Year 10): €3,017.20
Profit After 10 Years: €131,207.21
Value appreciation
Price: €170,507.00
Equity capital: €14.910
Tax Refund in Year 1: €2,289.72
Monthly Net Cash Flow (Year 10): €203,44
Annual Net Cash Flow (Year 10): €2441.25
Profit After 10 Years: €65,504.19
Value appreciation
This is how you can work with us
Since we receive a large number of inquiries, we unfortunately cannot accept everyone. We only work with individuals where we see the greatest potential for success. Here’s how it works:
Step 1
Fill out the questionnaire – Give us a few details about your current situation
Step 2
Potential Analysis – If your application looks promising, someone from our team will conduct a potential analysis with you.
Step 3
Strategy – In our initial consultation, one of our experts will develop a concept for your strategic investment property
What happens in the
initial consultation?
Good preparation is half the battle. In our free initial consultation, one of our experts will work with you to develop your personal real estate strategy. Together, we’ll create a first draft of your investment profile, highlight what’s important for banks when purchasing properties, and plan how you can best use real estate to achieve your goals — whether that’s saving taxes, building passive income, or growing wealth.
Investment Property Buying: Here’s How It Works (Step by Step)
Your total time investment: just 10 hours!
1.Discover Your Property Path
In your first strategy session—100% free—we’ll dive deep into why real estate is one of the smartest investments you can make in Germany. You'll discover exactly how to build a thriving property portfolio tailored specifically to your goals and situation. Together, we'll work out how much capital you truly need to get started, and how our step-by-step approach can help you create a self-sustaining real estate portfolio that continues to grow year after year.
2. Tailor Your Investment Strategy
Next, we’ll pinpoint the ideal strategy that perfectly aligns with your financial goals, and current income situation. Whether your aim is maximizing tax advantages, generating passive income, building sustainable long-term wealth, or simply focusing on what matters most to you—we'll guide you clearly and confidently every step of the way.
3. Find Your Property Opportunities
With your personalized investment strategy in hand, we'll carefully research and identify real estate opportunities that perfectly match your goals—whether that’s reliable passive income, strategic wealth growth, or other objectives important to you. You'll receive hand-picked property options, complete with detailed insights and key performance indicators (KPIs) designed specifically around your preferences.
4. Find Your Perfect Property, No Pressure
We’ll continuously present hand-picked real estate options to you—without any limits on suggestions or timelines. Our commitment is simple: we won't stop until we’ve found the ideal property that perfectly matches your investment goals and personal preferences. No rush, no pressure—just dedicated guidance every step of the way, until you're completely satisfied.
5. Smart Financing for Growth
Next, we’ll arrange the smartest financing solution for your property, carefully structuring the down payment and loan terms to align with your long-term strategy. Our goal is to ensure you’re financially positioned to regularly acquire additional properties and continue expanding your portfolio. Through our extensive network, you’ll gain exclusive access to the most favorable terms available on the market—setting you up for ongoing success.
6. Validate Your Investment Live
While finalizing your financing, we’ll personally tour the property together, giving you the chance to confirm firsthand that everything matches exactly what we've discussed. No hidden repairs, no unexpected renovations - just a reliable, transparent investment ready to build wealth.
7. Close Your Property Deal
Once you're fully confident that the property aligns with your investment goals, we’ll accompany you to the notary to officially close the deal. Everything will be signed, sealed, and secured — and you’ll officially own your first investment property in Germany.
8. Ongoing Support Post-Purchase
Our support doesn’t stop at the notary. After you’ve secured the property, we’ll take care of everything—from finding reliable tenants quickly, to handling property management and all bureaucratic tasks. Whether it's paperwork, maintenance, or rental questions, we’re here to make sure your investment runs smoothly and stress-free. You can sit back and watch your real estate portfolio grow - without lifting a finger.
9. Grow Your Property Portfolio
Once your first property is up and running, we’ll help you plan your next moves. Together, we’ll develop a smart, scalable strategy to keep growing your real estate portfolio - step by step, at your pace. Whether you want to invest again in six months or build long-term, sustainable wealth over time, we’ll show you how to leverage equity, optimize cash flow, and keep increasing your net worth through real estate.
Client Case Studies
Naseef Mahmud
Problem
He wanted to build wealth for his retirement, but stocks and ETFs wouldn’t get him there – so real estate in Germany was the only option
Solution
He secured a €6,817 annual tax refund, bought a property with zero own capital, and now earns passive cashflow from it.
Staff Engineer - Naseef Mahmud
Patrick Bashala
Problem
Meet Patrick. He had a high income in Germany but paid heavy taxes, his money wasn’t working for him, and with the rise of AI he feared for the future—so he needed extra income sources.
Solution
He invested in a property in Germany with basically €0 of his own capital, which generates passive income of €326,67 monthly from the second year of ownership and reduces his taxes.
Assistant Vice President | Multi Asset Trader - Patrick Bashala
Ashok Burra
Problem
Ashok was giving 50% of his money to the government and was looking for a solution to save taxes and build wealth.
Solution
He was able to buy his first German property within 2 months and financed 100% of the total value — with only 7% in equity capital for the closing costs.
Project Manager - Ashok Burra
FAQ:
How can you guarantee that I will find a suitable property?
Access to the entire market
We are not tied to a single developer. Instead, we scan the entire real estate market – from traditional on-market listings to exclusive off-market deals. We use specialized software and our network to give you access to opportunities that would otherwise remain hidden.
Tailored selection instead of one-size-fits-all
We analyze your personal situation and financial goals to recommend only properties that truly fit – no generic “one-size-fits-all” strategy.
100% security with our refund guarantee
If, against expectations, no suitable property is found, you will receive your money back. Completely risk-free.
Is investing in property in Germany worth it?
Yes – Germany is one of the most attractive real estate markets for investors. The reasons are clear:
• Low equity requirements: Banks often finance a very high share of the purchase price, making it possible to invest with relatively little capital.
• Tax-free sale after 10 years: If you hold a property for at least ten years, the capital gain from the sale is completely tax-free.
• Extensive tax deductibility: Interest, depreciation, maintenance, and many ancillary costs can be deducted for tax purposes.
• Strong returns on invested capital: Thanks to leverage and tax benefits, the returns on equity are often higher than in many other countries.
This makes Germany an excellent environment for long-term, profitable real estate investments.
Is the initial consultation truly free?
Yes! It’s designed to help you explore your options and understand how we can add value.
Why Proper API?
We’re 100% independent.
Instead of pushing properties from just one developer, we educate you, compare different real estate strategies, and find the property that truly fits your financial goals and personal situation. No one-size-fits-all – just the right solution for you.
That’s why we’re rated #1 on Trustpilot.
Where can I find customer reviews?
Here you can find some case studies.
Here you can find some of our client testimonials.
How much time & effort do I need to invest in my investment property?
For your first investment property, our clients need to invest around 10 hours of their time.
What are the advantages of an investment property?
You can save taxes with the property and also generate passive wealth with practically zero equity capital. It allows you to build an asset that pays you monthly in retirement
Who exactly can you help?
Expats in Germany, who work in IT, etc.
How can I secure the non-binding initial consultation?
1. Click the button and fill out the form with your details.
2. Select your preferred date in the calendar.
3. Write down your questions – one of our experts will call you at the scheduled time.
Why do you offer the initial consultation for free?
Many people can’t really imagine what a long-term collaboration with us would look like. That’s why we created the free consultation sessions. Here, prospects can experience firsthand what it’s like to be guided by us over the long term. Of course, we conduct these sessions with the hope that the person will become a client afterwards – but only if they truly enjoyed the consultation.
What does the non-binding initial consultation look like?
Wie die Beratung im Detail aussieht, ist dir überlassen. Unsere Experten sprechen mit dir über die Themen, die für dich aktuell relevant sind oder über die du gerne mehr erfahren möchtest.Meistens beraten wir in den Bereichen Vertrieb, Neukundengewinnung, Angebot, Marketing und interne Abläufe.
Are you charging money for your service?
Our consultations are 100% free – no hidden fees, no strings attached.
If you decide to buy a property with us, we charge a transparent success fee. Why? Because we are truly independent.
Unlike many providers, we don’t push properties from one partner firm or a single developer. Instead, we search the entire market to find the property that perfectly matches your goals – whether it’s tax savings, long-term wealth creation, or passive income.
This way, you know exactly how we earn our money, and you can trust that our recommendations are unbiased and always in your best interest – never hidden in the property price.
How much does your service cost?
It depends on the level of support you’re looking for, the areas where you need help, and your individual requirements. Since every situation is different, we’ll tailor the service to match your needs.
How do I know I’ll get unbiased advice?
We’re legally obligated to recommend the best solutions for you, and our internal quality checks ensure every plan meets the highest standards.
Do I need a lot of money to start?
Not at all. Whether you’re starting with monthly savings or considering your first property purchase, we’ll tailor a plan that works for your financial situation.
The Proper API team
Rauend Diebo
Business Development Manager bei Proper API GmbH
Rauend is one of our Senior Customer Success Managers, who takes care of our real estate clients.
Dariusch Hosseini
Managing Partner at Proper API - proper-api.de
Dariush is our Head of Customer Success and the CEO of the company. He has worked in real estate for 10 years.
Christian Klingsporn
Senior Consultant at Proper API
Christein has been a consultant at Proper API for the last 6 years, and we practice what we preach – he himself owns a couple of properties in Germany.
Lukas Klein
Senior Consultant at Proper API
Lukas has been in real estate for nearly 8 years and is one of our best advisors in real estate and property investment.
About Us – Your Experts in Tax-Efficient Wealth Building in Germany
Dariusch Hosseini
Dariusch Hosseini is the founder and CEO of Proper API – and his story is closely tied to the expat experience in Germany.
His father was one of the first foreign professionals to move to Germany. But instead of finding financial security, his journey was marked by complexity, missed opportunities, and a lack of clear guidance.
Watching these struggles from an early age, Dariusch learned an important lesson:
Financial success isn’t about luck – it’s about knowledge, strategy, and the right support.
In 2018, Dariusch founded Proper API to give expats in Germany exactly what his family never had: reliable, transparent, and strategic financial guidance, tailored to the unique challenges of international professionals.
Today, he brings 15 years of experience in the finance industry and leads a growing team of over 30 dedicated experts – all working toward one goal:
Helping clients build wealth, reduce taxes, and achieve financial independence – with clarity and confidence.
Why Clients Trust Proper API:
Expat-focused:
We help expats navigate the German financial and tax system — with a deep understanding of the legal, cultural, and financial complexities involved.
No commission-driven advice:
As fully independent advisors, we’re not tied to any real estate providers. Our recommendations are based solely on what best supports your investment goals — not on hidden commissions.
Proven results:
On average, our clients save €5,000 to €10,000 per year in taxes — while building assets that provide stability, flexibility, and long-term financial freedom.
Personal support, wherever you are:
Whether via secure messenger, video call, or in person — your dedicated advisor is always just one message away.
“We know what it means to start over in a new country. That’s why we make sure you don’t just settle in Germany — you thrive here financially.”
– Dariusch Hosseini
Proper Union GmbH – Known from
Where is the Proper API Team based?
Our headquarters are located in Bonn on Rochusstraße.
Thanks to our fully digitalized processes, we can conveniently manage your entire real estate investment strategy and organization via phone and video conference. A personal meeting on-site in Bonn is of course possible, but not necessary. This way, we make real estate investments possible for expats all across Germany.
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