Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
1-bed apartment, 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
425
10-yr return
255%
Net cashflow / mo
425
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
280800 AED
Down payment (30%)
84240 AED
Acquisition fees (6.0%)
16848 AED
Mortgage principal
196560 AED
Total cash-in at close
101088 AED
🏦 Financing
Loan amount
196560 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1148 AED
Annual debt service
13775 AED
📊 Year-1 operating P&L
Gross rent
+23026
Operating costs (18%)
−4145
Net operating income (NOI)
18881
− Debt service
−13775
− Income tax (0%)
−0
Net cashflow
5106 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 23026 | 4145 | 5106 | 292032 | 99531 |
| Y2 | 23947 | 4310 | 5861 | 303713 | 115478 |
| Y3 | 24904 | 4483 | 6647 | 315862 | 132110 |
| Y4 | 25901 | 4662 | 7463 | 328496 | 149458 |
| Y5 | 26937 | 4849 | 8313 | 341636 | 167551 |
| Y6 | 28014 | 5043 | 9197 | 355302 | 186422 |
| Y7 | 29135 | 5244 | 10115 | 369514 | 206107 |
| Y8 | 30300 | 5454 | 11071 | 384294 | 226639 |
| Y9 | 31512 | 5672 | 12065 | 399666 | 248055 |
| Y10 | 32773 | 5899 | 13098 | 415653 | 270396 |
| Σ 10y | Cumulative net cashflow | 88936 | Equity at exit | 270396 | |
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.