Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Sea-facing villa in District 16 · Ref 1236
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
1537
10-yr return
280%
Net cashflow / mo
1537
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
721300 AED
Down payment (30%)
216390 AED
Acquisition fees (6.0%)
43278 AED
Mortgage principal
504910 AED
Total cash-in at close
259668 AED
🏦 Financing
Loan amount
504910 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2949 AED
Annual debt service
35385 AED
📊 Year-1 operating P&L
Gross rent
+65638
Operating costs (18%)
−11815
Net operating income (NOI)
53823
− Debt service
−35385
− Income tax (0%)
−0
Net cashflow
18439 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 65638 | 11815 | 18439 | 750152 | 255668 |
| Y2 | 68264 | 12287 | 20592 | 780158 | 296632 |
| Y3 | 70994 | 12779 | 22831 | 811364 | 339356 |
| Y4 | 73834 | 13290 | 25159 | 843819 | 383916 |
| Y5 | 76788 | 13822 | 27581 | 877572 | 430393 |
| Y6 | 79859 | 14375 | 30100 | 912675 | 478869 |
| Y7 | 83053 | 14950 | 32719 | 949182 | 529432 |
| Y8 | 86376 | 15548 | 35443 | 987149 | 582174 |
| Y9 | 89831 | 16170 | 38277 | 1026635 | 637188 |
| Y10 | 93424 | 16816 | 41223 | 1067700 | 694574 |
| Σ 10y | Cumulative net cashflow | 292364 | Equity at exit | 694574 | |
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.