Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, Downtown-adjacent
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
814
10-yr return
255%
Net cashflow / mo
814
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
537400 AED
Down payment (30%)
161220 AED
Acquisition fees (6.0%)
32244 AED
Mortgage principal
376180 AED
Total cash-in at close
193464 AED
🏦 Financing
Loan amount
376180 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
2197 AED
Annual debt service
26363 AED
📊 Year-1 operating P&L
Gross rent
+44067
Operating costs (18%)
−7932
Net operating income (NOI)
36135
− Debt service
−26363
− Income tax (0%)
−0
Net cashflow
9772 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 44067 | 7932 | 9772 | 558896 | 190484 |
| Y2 | 45829 | 8249 | 11217 | 581252 | 221004 |
| Y3 | 47663 | 8579 | 12720 | 604502 | 252835 |
| Y4 | 49569 | 8922 | 14284 | 628682 | 286034 |
| Y5 | 51552 | 9279 | 15910 | 653829 | 320662 |
| Y6 | 53614 | 9651 | 17600 | 679982 | 356778 |
| Y7 | 55759 | 10037 | 19359 | 707182 | 394450 |
| Y8 | 57989 | 10438 | 21188 | 735469 | 433745 |
| Y9 | 60308 | 10856 | 23090 | 764888 | 474733 |
| Y10 | 62721 | 11290 | 25068 | 795483 | 517488 |
| Σ 10y | Cumulative net cashflow | 170208 | Equity at exit | 517488 | |
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.