Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Renovated 3-bedroom flat overlooking Downtown-adjacent
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
701
10-yr return
255%
Net cashflow / mo
701
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
462600 AED
Down payment (30%)
138780 AED
Acquisition fees (6.0%)
27756 AED
Mortgage principal
323820 AED
Total cash-in at close
166536 AED
🏦 Financing
Loan amount
323820 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1891 AED
Annual debt service
22694 AED
📊 Year-1 operating P&L
Gross rent
+37933
Operating costs (18%)
−6828
Net operating income (NOI)
31105
− Debt service
−22694
− Income tax (0%)
−0
Net cashflow
8412 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 37933 | 6828 | 8412 | 481104 | 163971 |
| Y2 | 39451 | 7101 | 9656 | 500348 | 190243 |
| Y3 | 41029 | 7385 | 10950 | 520362 | 217643 |
| Y4 | 42670 | 7681 | 12296 | 541177 | 246222 |
| Y5 | 44376 | 7988 | 13695 | 562824 | 276029 |
| Y6 | 46152 | 8307 | 15151 | 585337 | 307119 |
| Y7 | 47998 | 8640 | 16664 | 608750 | 339547 |
| Y8 | 49918 | 8985 | 18239 | 633100 | 373372 |
| Y9 | 51914 | 9345 | 19876 | 658424 | 408655 |
| Y10 | 53991 | 9718 | 21579 | 684761 | 445460 |
| Σ 10y | Cumulative net cashflow | 146517 | Equity at exit | 445460 | |
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.