Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Bright pied-à-terre 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
215
10-yr return
209%
Net cashflow / mo
215
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
609100 AED
Down payment (30%)
182730 AED
Acquisition fees (6.0%)
36546 AED
Mortgage principal
426370 AED
Total cash-in at close
219276 AED
🏦 Financing
Loan amount
426370 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2490 AED
Annual debt service
29880 AED
📊 Year-1 operating P&L
Gross rent
+39592
Operating costs (18%)
−7126
Net operating income (NOI)
32465
− Debt service
−29880
− Income tax (0%)
−0
Net cashflow
2585 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 39592 | 7126 | 2585 | 633464 | 215898 |
| Y2 | 41175 | 7412 | 3883 | 658803 | 250490 |
| Y3 | 42822 | 7708 | 5234 | 685155 | 286568 |
| Y4 | 44535 | 8016 | 6638 | 712561 | 324197 |
| Y5 | 46316 | 8337 | 8099 | 741063 | 363444 |
| Y6 | 48169 | 8670 | 9618 | 770706 | 404380 |
| Y7 | 50096 | 9017 | 11198 | 801534 | 447078 |
| Y8 | 52100 | 9378 | 12841 | 833595 | 491615 |
| Y9 | 54184 | 9753 | 14550 | 866939 | 538072 |
| Y10 | 56351 | 10143 | 16327 | 901617 | 586532 |
| Σ 10y | Cumulative net cashflow | 90975 | Equity at exit | 586532 | |
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.