Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Sea-facing villa in District 16
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
7.5%
Cashflow / mo
1043
10-yr return
280%
Net cashflow / mo
1043
AED · after debt service & taxes
Cap rate
7.5%
NOI ÷ asking price
Cash-on-cash
7.1%
Year-1 cashflow ÷ cash-in
10-yr total return
280%
14.3% annualised
💼 Acquisition
Asking price
489500 AED
Down payment (30%)
146850 AED
Acquisition fees (6.0%)
29370 AED
Mortgage principal
342650 AED
Total cash-in at close
176220 AED
🏦 Financing
Loan amount
342650 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2001 AED
Annual debt service
24013 AED
📊 Year-1 operating P&L
Gross rent
+44545
Operating costs (18%)
−8018
Net operating income (NOI)
36526
− Debt service
−24013
− Income tax (0%)
−0
Net cashflow
12513 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 44545 | 8018 | 12513 | 509080 | 173505 |
| Y2 | 46326 | 8339 | 13974 | 529443 | 201305 |
| Y3 | 48179 | 8672 | 15494 | 550621 | 230299 |
| Y4 | 50107 | 9019 | 17074 | 572646 | 260539 |
| Y5 | 52111 | 9380 | 18718 | 595552 | 292080 |
| Y6 | 54195 | 9755 | 20427 | 619374 | 324978 |
| Y7 | 56363 | 10145 | 22204 | 644149 | 359292 |
| Y8 | 58618 | 10551 | 24053 | 669915 | 395084 |
| Y9 | 60962 | 10973 | 25976 | 696711 | 432418 |
| Y10 | 63401 | 11412 | 27975 | 724580 | 471363 |
| Σ 10y | Cumulative net cashflow | 198409 | Equity at exit | 471363 | |
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.