Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Downtown-adjacent · Ref 3864
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
1066
10-yr return
255%
Net cashflow / mo
1066
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
703600 AED
Down payment (30%)
211080 AED
Acquisition fees (6.0%)
42216 AED
Mortgage principal
492520 AED
Total cash-in at close
253296 AED
🏦 Financing
Loan amount
492520 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2876 AED
Annual debt service
34516 AED
📊 Year-1 operating P&L
Gross rent
+57695
Operating costs (18%)
−10385
Net operating income (NOI)
47310
− Debt service
−34516
− Income tax (0%)
−0
Net cashflow
12794 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 57695 | 10385 | 12794 | 731744 | 249394 |
| Y2 | 60003 | 10801 | 14686 | 761014 | 289353 |
| Y3 | 62403 | 11233 | 16654 | 791454 | 331029 |
| Y4 | 64899 | 11682 | 18701 | 823112 | 374495 |
| Y5 | 67495 | 12149 | 20830 | 856037 | 419831 |
| Y6 | 70195 | 12635 | 23044 | 890278 | 467118 |
| Y7 | 73003 | 13141 | 25346 | 925890 | 516441 |
| Y8 | 75923 | 13666 | 27741 | 962925 | 567888 |
| Y9 | 78960 | 14213 | 30231 | 1001442 | 621552 |
| Y10 | 82118 | 14781 | 32821 | 1041500 | 677530 |
| Σ 10y | Cumulative net cashflow | 222847 | Equity at exit | 677530 | |
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.