Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in District 13
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
1609
10-yr return
280%
Net cashflow / mo
1609
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
755500 AED
Down payment (30%)
226650 AED
Acquisition fees (6.0%)
45330 AED
Mortgage principal
528850 AED
Total cash-in at close
271980 AED
🏦 Financing
Loan amount
528850 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
3089 AED
Annual debt service
37062 AED
📊 Year-1 operating P&L
Gross rent
+68751
Operating costs (18%)
−12375
Net operating income (NOI)
56375
− Debt service
−37062
− Income tax (0%)
−0
Net cashflow
19313 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 68751 | 12375 | 19313 | 785720 | 267790 |
| Y2 | 71501 | 12870 | 21568 | 817149 | 310697 |
| Y3 | 74361 | 13385 | 23913 | 849835 | 355446 |
| Y4 | 77335 | 13920 | 26352 | 883828 | 402120 |
| Y5 | 80428 | 14477 | 28889 | 919181 | 450800 |
| Y6 | 83646 | 15056 | 31527 | 955949 | 501575 |
| Y7 | 86991 | 15658 | 34271 | 994186 | 554535 |
| Y8 | 90471 | 16285 | 37124 | 1033954 | 609777 |
| Y9 | 94090 | 16936 | 40091 | 1075312 | 667400 |
| Y10 | 97853 | 17614 | 43178 | 1118325 | 727507 |
| Σ 10y | Cumulative net cashflow | 306226 | Equity at exit | 727507 | |
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.