Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, District 13
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
7.5%
Cashflow / mo
396
10-yr return
280%
Net cashflow / mo
396
AED · after debt service & taxes
Cap rate
7.5%
NOI ÷ asking price
Cash-on-cash
7.1%
Year-1 cashflow ÷ cash-in
10-yr total return
280%
14.3% annualised
💼 Acquisition
Asking price
185900 AED
Down payment (30%)
55770 AED
Acquisition fees (6.0%)
11154 AED
Mortgage principal
130130 AED
Total cash-in at close
66924 AED
🏦 Financing
Loan amount
130130 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
760 AED
Annual debt service
9120 AED
📊 Year-1 operating P&L
Gross rent
+16917
Operating costs (18%)
−3045
Net operating income (NOI)
13872
− Debt service
−9120
− Income tax (0%)
−0
Net cashflow
4752 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 16917 | 3045 | 4752 | 193336 | 65893 |
| Y2 | 17594 | 3167 | 5307 | 201069 | 76451 |
| Y3 | 18297 | 3294 | 5884 | 209112 | 87462 |
| Y4 | 19029 | 3425 | 6484 | 217477 | 98946 |
| Y5 | 19790 | 3562 | 7108 | 226176 | 110925 |
| Y6 | 20582 | 3705 | 7758 | 235223 | 123419 |
| Y7 | 21405 | 3853 | 8433 | 244632 | 136450 |
| Y8 | 22261 | 4007 | 9135 | 254417 | 150043 |
| Y9 | 23152 | 4167 | 9865 | 264594 | 164222 |
| Y10 | 24078 | 4334 | 10624 | 275177 | 179012 |
| Σ 10y | Cumulative net cashflow | 75351 | Equity at exit | 179012 | |
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.