Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Yas Island
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
5.3%
Cashflow / mo
75
10-yr return
209%
Net cashflow / mo
75
AED · after debt service & taxes
Cap rate
5.3%
NOI ÷ asking price
Cash-on-cash
1.2%
Year-1 cashflow ÷ cash-in
10-yr total return
209%
11.9% annualised
💼 Acquisition
Asking price
212200 AED
Down payment (30%)
63660 AED
Acquisition fees (6.0%)
12732 AED
Mortgage principal
148540 AED
Total cash-in at close
76392 AED
🏦 Financing
Loan amount
148540 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
867 AED
Annual debt service
10410 AED
📊 Year-1 operating P&L
Gross rent
+13793
Operating costs (18%)
−2483
Net operating income (NOI)
11310
− Debt service
−10410
− Income tax (0%)
−0
Net cashflow
900 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 13793 | 2483 | 900 | 220688 | 75215 |
| Y2 | 14345 | 2582 | 1353 | 229516 | 87267 |
| Y3 | 14919 | 2685 | 1823 | 238696 | 99836 |
| Y4 | 15515 | 2793 | 2313 | 248244 | 112945 |
| Y5 | 16136 | 2904 | 2822 | 258174 | 126618 |
| Y6 | 16781 | 3021 | 3351 | 268501 | 140879 |
| Y7 | 17453 | 3141 | 3901 | 279241 | 155754 |
| Y8 | 18151 | 3267 | 4474 | 290410 | 171270 |
| Y9 | 18877 | 3398 | 5069 | 302027 | 187455 |
| Y10 | 19632 | 3534 | 5688 | 314108 | 204338 |
| Σ 10y | Cumulative net cashflow | 31694 | Equity at exit | 204338 | |
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.