Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Architect-designed villa in JBR
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
6.4%
Cashflow / mo
1537
10-yr return
245%
Net cashflow / mo
1537
AED · after debt service & taxes
Cap rate
6.4%
NOI ÷ asking price
Cash-on-cash
4.1%
Year-1 cashflow ÷ cash-in
10-yr total return
245%
13.2% annualised
💼 Acquisition
Asking price
1237700 AED
Down payment (30%)
371310 AED
Acquisition fees (6.0%)
74262 AED
Mortgage principal
866390 AED
Total cash-in at close
445572 AED
🏦 Financing
Loan amount
866390 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
5060 AED
Annual debt service
60717 AED
📊 Year-1 operating P&L
Gross rent
+96541
Operating costs (18%)
−17377
Net operating income (NOI)
79163
− Debt service
−60717
− Income tax (0%)
−0
Net cashflow
18446 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 96541 | 17377 | 18446 | 1287208 | 438708 |
| Y2 | 100402 | 18072 | 21612 | 1338696 | 509000 |
| Y3 | 104418 | 18795 | 24906 | 1392244 | 582311 |
| Y4 | 108595 | 19547 | 28331 | 1447934 | 658773 |
| Y5 | 112939 | 20329 | 31892 | 1505851 | 738524 |
| Y6 | 117456 | 21142 | 35597 | 1566085 | 821706 |
| Y7 | 122155 | 21988 | 39449 | 1628729 | 908469 |
| Y8 | 127041 | 22867 | 43456 | 1693878 | 998969 |
| Y9 | 132122 | 23782 | 47623 | 1761633 | 1093369 |
| Y10 | 137407 | 24733 | 51957 | 1832098 | 1191841 |
| Σ 10y | Cumulative net cashflow | 343269 | Equity at exit | 1191841 | |
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.