Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Executive Towers · Ref 6685
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
1767
10-yr return
255%
Net cashflow / mo
1767
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
1166100 AED
Down payment (30%)
349830 AED
Acquisition fees (6.0%)
69966 AED
Mortgage principal
816270 AED
Total cash-in at close
419796 AED
🏦 Financing
Loan amount
816270 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
4767 AED
Annual debt service
57205 AED
📊 Year-1 operating P&L
Gross rent
+95620
Operating costs (18%)
−17212
Net operating income (NOI)
78409
− Debt service
−57205
− Income tax (0%)
−0
Net cashflow
21204 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 95620 | 17212 | 21204 | 1212744 | 413329 |
| Y2 | 99445 | 17900 | 24340 | 1261254 | 479555 |
| Y3 | 103423 | 18616 | 27602 | 1311704 | 548625 |
| Y4 | 107560 | 19361 | 30994 | 1364172 | 620664 |
| Y5 | 111862 | 20135 | 34522 | 1418739 | 695801 |
| Y6 | 116337 | 20941 | 38191 | 1475489 | 774171 |
| Y7 | 120990 | 21778 | 42007 | 1534508 | 855915 |
| Y8 | 125830 | 22649 | 45975 | 1595888 | 941179 |
| Y9 | 130863 | 23555 | 50103 | 1659724 | 1030119 |
| Y10 | 136097 | 24498 | 54395 | 1726113 | 1122894 |
| Σ 10y | Cumulative net cashflow | 369332 | Equity at exit | 1122894 | |
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.