Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Downtown-adjacent · Ref 1969
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
611
10-yr return
255%
Net cashflow / mo
611
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
403100 AED
Down payment (30%)
120930 AED
Acquisition fees (6.0%)
24186 AED
Mortgage principal
282170 AED
Total cash-in at close
145116 AED
🏦 Financing
Loan amount
282170 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
1648 AED
Annual debt service
19775 AED
📊 Year-1 operating P&L
Gross rent
+33054
Operating costs (18%)
−5950
Net operating income (NOI)
27104
− Debt service
−19775
− Income tax (0%)
−0
Net cashflow
7330 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 33054 | 5950 | 7330 | 419224 | 142881 |
| Y2 | 34376 | 6188 | 8414 | 435993 | 165773 |
| Y3 | 35751 | 6435 | 9541 | 453433 | 189650 |
| Y4 | 37181 | 6693 | 10714 | 471570 | 214552 |
| Y5 | 38669 | 6960 | 11934 | 490433 | 240526 |
| Y6 | 40215 | 7239 | 13202 | 510050 | 267617 |
| Y7 | 41824 | 7528 | 14521 | 530452 | 295874 |
| Y8 | 43497 | 7829 | 15893 | 551670 | 325349 |
| Y9 | 45237 | 8143 | 17320 | 573737 | 356094 |
| Y10 | 47046 | 8468 | 18803 | 596686 | 388164 |
| Σ 10y | Cumulative net cashflow | 127672 | Equity at exit | 388164 | |
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.