Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Architect-designed villa in Yas Island
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
5.3%
Cashflow / mo
137
10-yr return
209%
Net cashflow / mo
137
AED · after debt service & taxes
Cap rate
5.3%
NOI ÷ asking price
Cash-on-cash
1.2%
Year-1 cashflow ÷ cash-in
10-yr total return
209%
11.9% annualised
💼 Acquisition
Asking price
387500 AED
Down payment (30%)
116250 AED
Acquisition fees (6.0%)
23250 AED
Mortgage principal
271250 AED
Total cash-in at close
139500 AED
🏦 Financing
Loan amount
271250 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1584 AED
Annual debt service
19009 AED
📊 Year-1 operating P&L
Gross rent
+25188
Operating costs (18%)
−4534
Net operating income (NOI)
20654
− Debt service
−19009
− Income tax (0%)
−0
Net cashflow
1644 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 25188 | 4534 | 1644 | 403000 | 137351 |
| Y2 | 26195 | 4715 | 2470 | 419120 | 159358 |
| Y3 | 27243 | 4904 | 3330 | 435885 | 182310 |
| Y4 | 28333 | 5100 | 4223 | 453320 | 206249 |
| Y5 | 29466 | 5304 | 5153 | 471453 | 231218 |
| Y6 | 30644 | 5516 | 6119 | 490311 | 257260 |
| Y7 | 31870 | 5737 | 7124 | 509924 | 284424 |
| Y8 | 33145 | 5966 | 8169 | 530321 | 312758 |
| Y9 | 34471 | 6205 | 9257 | 551533 | 342313 |
| Y10 | 35850 | 6453 | 10387 | 573595 | 373142 |
| Σ 10y | Cumulative net cashflow | 57877 | Equity at exit | 373142 | |
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.