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)
What Our Clients Say
"The free Consulting is without pressure, will save you money… 100% Guaranteed."
Exceptional Financial Services and Expert Guidance from Proper API
Proper API has been a one-stop solution for all my financial needs—from tax-optimized investment strategies to tailored insurance planning. Their team is knowledgeable, approachable, and truly focused on maximizing returns and minimizing liabilities. Special thanks to Pierre for his expert guidance during our property purchases—his support made the entire process smooth and stress-free. I highly recommend Proper API to anyone looking to invest smartly, reduce taxes, or secure the right coverage.
Date of experience: November 01, 2024
Excellent Communication and transparent
I had a great experience with Proper API, especially thanks to Andre. He patiently guided me through private health insurance, pensions, real estate, and more—always taking time to explain everything clearly. His follow-ups and dedication made the whole process smooth and easy to understand. I felt confident in every decision.
Highly recommended for anyone seeking expert, personalized financial advice.
Date of experience: November 27, 2024
I was lucky to be familiar with Porper API…
I was lucky to be familiar with this great company. They know their job and their service is invaluable. They make "buying property" or "choosing insurance" as easy as just making a contract with an Internet service provider.
You don't need to be engaged in details. You just need to decide, the rest will be handled with Proper API.
Date of experience: February 01, 2024
Great service !
I contacted Proper-API due to an advertisement. Since I'm naturally skeptical about some kind of advertisements I took my time to ask questions and make a few researching. So far I am positively impressed by the service I got. Working with Christian and Pierre, I got my questions answered and got time enough to check everything without rush.
In conclusion, as an expat living in Germany, I recommend Proper-API's service in the realm of insurance and real estate investment.
Date of experience: February 04, 2025
Exceptional Guidance for Pensions and Real Estate Investments
We highly recommend Proper API for expert guidance on pensions and real estate. As expats in Germany, we felt truly supported—from clear explanations of complex pension options to a personalized investment strategy. Our first real estate purchase with Pierre was smooth and pressure-free.
He guided us every step of the way, from viewings to notary, making the entire process feel secure and transparent.
Date of experience: March 12, 2025
A unique guide in Investments and Real Estate World
Proper API was a great recommendation. My wife and I felt fully supported from day one. The team took the time to understand our needs and helped us build a secure, long-term plan—not just with investments, but also with important steps we hadn’t even considered, like additional insurances.
Buying our first home and making smart investments felt easy and well-guided thanks to their professionalism, patience, and genuine care.
Date of experience: January 22, 2025
Awesome deal!
Working with Proper API was a game-changer. Their expert guidance on investments, insurance, and real estate helped me make confident decisions every step of the way.
I secured a 6% discount on my property and felt fully supported throughout the process. The free consultation gave me a no-pressure way to get started, and even with some minor delays, their dedication truly stood out. I’m 100% satisfied and already planning to work with them again on my next purchase.
Date of experience: January 17, 2025
5 out of 5 stars – Outstanding Wealth Management Service!
Proper API made my first rental property investment smooth and stress-free.
From strategy and tax planning to negotiations and rental management, they handled everything with professionalism and care. I barely had to lift a finger beyond visiting the property and signing documents. Thanks to their support, I secured favorable terms, the seller followed through on all commitments, and the property was rented out immediately. No pressure, no hard selling—just patient, expert guidance. I’d absolutely work with them again. Highly recommended for anyone serious about smart, hands-off investing in Germany.
Date of experience: December 15, 2024
I enjoyed the time and patience they…
I enjoyed the time and patience they offer their clients in scheduling, explaining, and answering various questions that affect investment in ETFs, pensions, and real estate investments.
Date of experience: December 01, 2023
Exceptional Financial Services and Expert Guidance from Proper API
Proper API has been a one-stop solution for all my financial needs—from tax-optimized investment strategies to tailored insurance planning. Their team is knowledgeable, approachable, and truly focused on maximizing returns and minimizing liabilities. Special thanks to Pierre for his expert guidance during our property purchases—his support made the entire process smooth and stress-free. I highly recommend Proper API to anyone looking to invest smartly, reduce taxes, or secure the right coverage.
Date of experience: November 01, 2024
Excellent Communication and transparent
I had a great experience with Proper API, especially thanks to Andre. He patiently guided me through private health insurance, pensions, real estate, and more—always taking time to explain everything clearly. His follow-ups and dedication made the whole process smooth and easy to understand. I felt confident in every decision.
Highly recommended for anyone seeking expert, personalized financial advice.
Date of experience: November 27, 2024
I was lucky to be familiar with Porper API…
I was lucky to be familiar with this great company. They know their job and their service is invaluable. They make "buying property" or "choosing insurance" as easy as just making a contract with an Internet service provider.
You don't need to be engaged in details. You just need to decide, the rest will be handled with Proper API.
Date of experience: February 01, 2024
Great service !
I contacted Proper-API due to an advertisement. Since I'm naturally skeptical about some kind of advertisements I took my time to ask questions and make a few researching. So far I am positively impressed by the service I got. Working with Christian and Pierre, I got my questions answered and got time enough to check everything without rush.
In conclusion, as an expat living in Germany, I recommend Proper-API's service in the realm of insurance and real estate investment.
Date of experience: February 04, 2025
Exceptional Guidance for Pensions and Real Estate Investments
We highly recommend Proper API for expert guidance on pensions and real estate. As expats in Germany, we felt truly supported—from clear explanations of complex pension options to a personalized investment strategy. Our first real estate purchase with Pierre was smooth and pressure-free.
He guided us every step of the way, from viewings to notary, making the entire process feel secure and transparent.
Date of experience: March 12, 2025
A unique guide in Investments and Real Estate World
Proper API was a great recommendation. My wife and I felt fully supported from day one. The team took the time to understand our needs and helped us build a secure, long-term plan—not just with investments, but also with important steps we hadn’t even considered, like additional insurances.
Buying our first home and making smart investments felt easy and well-guided thanks to their professionalism, patience, and genuine care.
Date of experience: January 22, 2025
6- to 7-figure Real Estate Portfolios built with our clients.
Proven experience with over 2,000+ real estate clients across Germany.
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Meet Patrick. 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.
Patrick Bashala
Assistant Vice President | Multi Asset Trader
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.
Naseef Mahmud
Staff Engineer
"We bought 2 apartments without a single euro of our own in equity capital."
Meet Pietro and his wife. They managed to get 2 properties in Germany with €0 equity capital – bringing them much closer to reaching their financial goals. They purchased the first property on 15 November 2024. The second one followed five months later.
Simona & Pietro Dell'Erba
Supply Manager | Solution Architect
10% Discount on the Property Deal
Meet Mikhail. He never considered buying property in Germany - he thought he wouldn’t even qualify. But with our help, Mikhail didn’t just become eligible - he secured a 10% discount on his first property saving him thousands of euros.
Mikhail Petrow
Cyber Security Engineer
Bought his first property within 3 months — with 100% financing.
Meet Evin Hughes. Buying a property in Germany had always been on his mind — but the complex process kept him from taking the first step. Three months after working with us, he owned his first property — with nearly zero equity invested.
Evin Hughes
Management Consultant
Bought his first property within 2–3 months (€477,000) — financed 100% of the purchase price
Meet Ashok, an Indian expat in Germany, who 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.
Ashok Burra
Project Manager
Now’s the time to act – secure your financial future.
Germany offers one of the most attractive real estate investment landscapes in the world.
Compared to other countries, it requires remarkably little upfront capital, offers substantial tax benefits while holding property, and even allows for tax-free resale after just 10 years. But without a clear strategy, many expats and foreign investors miss out on these unique advantages and fail to unlock the full potential of the German market.
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: €14,493
Tax Refund in Year 1: €4,320.46
Monthly Net Cash Flow (Year 10): €124.29
Annual Net Cash Flow (Year 10): €1,491.46
Profit After 10 Years: €131,207.21
Value appreciation
Ready to build your passive income with real estate?
Investing in German real estate offers exceptional returns on your capital.
With 100% financing usually possible, you can purchase property with little upfront investment. In many cases, rental income covers your monthly payments — and thanks to generous tax benefits, some properties can even generate positive cash flow from day one. It’s one of the most efficient and accessible ways to build long-term wealth in Germany.
Tailored, Transparent Solutions
Your goals are unique — so is our strategy. With clear, tailored plans and written guarantees, you’ll move forward with full confidence.
15 years of experience
With over 15 years of experience, our real estate experts have helped 2,000+ clients navigate the German property market — making smart, tax-optimized investments that build lasting wealth.
Long-Term Support
We’re in it for the long haul - providing ongoing support, quick answers, and the confidence that you’ll never navigate your real estate journey alone.
How does it Work
(Step by Step)
Our strategy for your first investment property in Germany.
Step 1: Discover and Unlock Your Path to a Thriving Real Estate Portfolio in Germany
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.
Step 2: Tailoring a Strategy to Match Your Goals - Tax Efficiency, Passive Income, and Wealth Creation
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.
Step 3: Identifying Real Estate Opportunities Tailored to You
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.
Step 4: Finding Your Perfect Property — No Limits, 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.
Step 5: Smart Financing Designed for Long-Term 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.
Step 6: Validating Your Investment - Live and In Person
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.
Step 7: Signing and Sealing the 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.
Step 8: Ongoing Support After the 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.
Step 9: Expand Your Portfolio and Accelerate Your Wealth (Optional)
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.
👉 Book your free strategy session now and take the first step toward your own profitable real estate portfolio.
Don’t listen to what we say.
Check out full-length customer stories.
Trusted by over 2,000+ real estate clients all across Germany.
How Pietro Acquired 2 Investment Properties Without Using Any of His Own Equity
Meet Pietro and his wife. They managed to get 2 properties in Germany with €0 equity capital – bringing them much closer to reaching their financial goals. They purchased the first property on 15 November 2024. The second one followed five months later.
€375,000 real estate investment (without a single euro invested) and €8,950,50 in annual tax refunds.
Meet Patrick. 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.Meet Patrick. He invested in a property in Germany with basically €0 of his own capital, which now generates passive wealth and reduces his taxes.
€6,817 in annual tax refunds and a €260,421 property that generates passive income.
Meet Naseef. He will receive an annual tax refund of €6,817, bought a property without using his own capital, and now earns passive cashflow thanks to his tax return.
10% Discount on the Property Deal
Meet Mikhail. He never considered buying property in Germany - he thought he wouldn’t even qualify. But with our help, Mikhail didn’t just become eligible - he secured a 10% discount on his first property saving him thousands of euros.
Bought his first property within 3 months — with 100% financing.
Meet Evin Hughes. Buying a property in Germany had always been on his mind — but the complex process kept him from taking the first step. Three months after working with us, he owned his first property — with nearly zero equity invested.
Bought his first property within 2–3 months (€477,000) — financed 100% of the purchase price
Meet Ashok, an Indian expat in Germany, who 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.
Just 15 minutes - that’s all it takes to understand your goals and where you stand.
In a quick initial call, we’ll get to know your situation and investment potential. Then, we’ll schedule a free in-depth session with a specialized advisor who’s perfectly matched to your needs — giving you expert guidance tailored to your goals and real estate plans in Germany. 100% free of charge.
- Dariusch Hosseini
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
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