Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Sea-facing villa in JBR
Tweak any input — down payment, mortgage rate, hold horizon — and the projection refreshes instantly. Country-specific tax and fee schedules are baked in; the formula is documented on the methodology page.
Cap rate
6.4%
Cashflow / mo
757
10-yr return
245%
Net cashflow / mo
757
AED · after debt service & taxes
Cap rate
6.4%
NOI ÷ asking price
Cash-on-cash
4.1%
Year-1 cashflow ÷ cash-in
10-yr total return
245%
13.2% annualised
💼 Acquisition
Asking price
609700 AED
Down payment (30%)
182910 AED
Acquisition fees (6.0%)
36582 AED
Mortgage principal
426790 AED
Total cash-in at close
219492 AED
🏦 Financing
Loan amount
426790 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2492 AED
Annual debt service
29910 AED
📊 Year-1 operating P&L
Gross rent
+47557
Operating costs (18%)
−8560
Net operating income (NOI)
38996
− Debt service
−29910
− Income tax (0%)
−0
Net cashflow
9087 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 47557 | 8560 | 9087 | 634088 | 216111 |
| Y2 | 49459 | 8903 | 10646 | 659452 | 250737 |
| Y3 | 51437 | 9259 | 12269 | 685830 | 286851 |
| Y4 | 53495 | 9629 | 13956 | 713263 | 324517 |
| Y5 | 55635 | 10014 | 15710 | 741793 | 363802 |
| Y6 | 57860 | 10415 | 17535 | 771465 | 404778 |
| Y7 | 60174 | 10831 | 19433 | 802324 | 447518 |
| Y8 | 62581 | 11265 | 21407 | 834417 | 492099 |
| Y9 | 65084 | 11715 | 23459 | 867793 | 538602 |
| Y10 | 67688 | 12184 | 25594 | 902505 | 587109 |
| Σ 10y | Cumulative net cashflow | 169097 | Equity at exit | 587109 | |
Modelling assumptions
- Country baseline: AE — operating costs 18% of gross rent, income tax 0%, capital appreciation 4.0%/yr.
- Projections assume rent grows at the country appreciation rate. Real-world rent growth will diverge.
- Mortgage figures use a constant interest rate for the full term. Re-mortgage events are not modelled.
- Excludes capital-gains tax on exit, currency hedging costs and any local property tax over and above the operating buffer.