Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Private villa with garden, 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
1282
10-yr return
280%
Net cashflow / mo
1282
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
601700 AED
Down payment (30%)
180510 AED
Acquisition fees (6.0%)
36102 AED
Mortgage principal
421190 AED
Total cash-in at close
216612 AED
🏦 Financing
Loan amount
421190 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2460 AED
Annual debt service
29517 AED
📊 Year-1 operating P&L
Gross rent
+54755
Operating costs (18%)
−9856
Net operating income (NOI)
44899
− Debt service
−29517
− Income tax (0%)
−0
Net cashflow
15381 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 54755 | 9856 | 15381 | 625768 | 213275 |
| Y2 | 56945 | 10250 | 17177 | 650799 | 247447 |
| Y3 | 59223 | 10660 | 19045 | 676831 | 283087 |
| Y4 | 61592 | 11086 | 20988 | 703904 | 320259 |
| Y5 | 64055 | 11530 | 23008 | 732060 | 359029 |
| Y6 | 66617 | 11991 | 25109 | 761342 | 399467 |
| Y7 | 69282 | 12471 | 27294 | 791796 | 441646 |
| Y8 | 72053 | 12970 | 29566 | 823468 | 485642 |
| Y9 | 74936 | 13488 | 31930 | 856407 | 531535 |
| Y10 | 77933 | 14028 | 34388 | 890663 | 579406 |
| Σ 10y | Cumulative net cashflow | 243887 | Equity at exit | 579406 | |
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.