Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre in District 16
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
739
10-yr return
280%
Net cashflow / mo
739
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
346900 AED
Down payment (30%)
104070 AED
Acquisition fees (6.0%)
20814 AED
Mortgage principal
242830 AED
Total cash-in at close
124884 AED
🏦 Financing
Loan amount
242830 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1418 AED
Annual debt service
17018 AED
📊 Year-1 operating P&L
Gross rent
+31568
Operating costs (18%)
−5682
Net operating income (NOI)
25886
− Debt service
−17018
− Income tax (0%)
−0
Net cashflow
8868 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 31568 | 5682 | 8868 | 360776 | 122960 |
| Y2 | 32831 | 5910 | 9903 | 375207 | 142661 |
| Y3 | 34144 | 6146 | 10980 | 390215 | 163209 |
| Y4 | 35510 | 6392 | 12100 | 405824 | 184640 |
| Y5 | 36930 | 6647 | 13265 | 422057 | 206992 |
| Y6 | 38407 | 6913 | 14476 | 438939 | 230306 |
| Y7 | 39943 | 7190 | 15736 | 456497 | 254624 |
| Y8 | 41541 | 7477 | 17046 | 474757 | 279989 |
| Y9 | 43203 | 7777 | 18409 | 493747 | 306447 |
| Y10 | 44931 | 8088 | 19826 | 513497 | 334047 |
| Σ 10y | Cumulative net cashflow | 140609 | Equity at exit | 334047 | |
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.