Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Downtown-adjacent · Ref 3017
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
312
10-yr return
255%
Net cashflow / mo
312
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
205700 AED
Down payment (30%)
61710 AED
Acquisition fees (6.0%)
12342 AED
Mortgage principal
143990 AED
Total cash-in at close
74052 AED
🏦 Financing
Loan amount
143990 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
841 AED
Annual debt service
10091 AED
📊 Year-1 operating P&L
Gross rent
+16867
Operating costs (18%)
−3036
Net operating income (NOI)
13831
− Debt service
−10091
− Income tax (0%)
−0
Net cashflow
3740 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 16867 | 3036 | 3740 | 213928 | 72911 |
| Y2 | 17542 | 3158 | 4294 | 222485 | 84593 |
| Y3 | 18244 | 3284 | 4869 | 231385 | 96777 |
| Y4 | 18974 | 3415 | 5467 | 240640 | 109485 |
| Y5 | 19732 | 3552 | 6090 | 250266 | 122739 |
| Y6 | 20522 | 3694 | 6737 | 260276 | 136564 |
| Y7 | 21343 | 3842 | 7410 | 270687 | 150983 |
| Y8 | 22196 | 3995 | 8110 | 281515 | 166024 |
| Y9 | 23084 | 4155 | 8838 | 292775 | 181713 |
| Y10 | 24008 | 4321 | 9595 | 304486 | 198078 |
| Σ 10y | Cumulative net cashflow | 65150 | Equity at exit | 198078 | |
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.