Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Executive Towers
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
6.7%
Cashflow / mo
688
10-yr return
255%
Net cashflow / mo
688
AED · after debt service & taxes
Cap rate
6.7%
NOI ÷ asking price
Cash-on-cash
5.1%
Year-1 cashflow ÷ cash-in
10-yr total return
255%
13.5% annualised
💼 Acquisition
Asking price
454000 AED
Down payment (30%)
136200 AED
Acquisition fees (6.0%)
27240 AED
Mortgage principal
317800 AED
Total cash-in at close
163440 AED
🏦 Financing
Loan amount
317800 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1856 AED
Annual debt service
22272 AED
📊 Year-1 operating P&L
Gross rent
+37228
Operating costs (18%)
−6701
Net operating income (NOI)
30527
− Debt service
−22272
− Income tax (0%)
−0
Net cashflow
8255 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 37228 | 6701 | 8255 | 472160 | 160922 |
| Y2 | 38717 | 6969 | 9476 | 491046 | 186706 |
| Y3 | 40266 | 7248 | 10746 | 510688 | 213597 |
| Y4 | 41876 | 7538 | 12067 | 531116 | 241644 |
| Y5 | 43551 | 7839 | 13441 | 552360 | 270898 |
| Y6 | 45294 | 8153 | 14869 | 574455 | 301409 |
| Y7 | 47105 | 8479 | 16355 | 597433 | 333235 |
| Y8 | 48990 | 8818 | 17900 | 621330 | 366431 |
| Y9 | 50949 | 9171 | 19507 | 646184 | 401058 |
| Y10 | 52987 | 9538 | 21178 | 672031 | 437178 |
| Σ 10y | Cumulative net cashflow | 143793 | Equity at exit | 437178 | |
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.