Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Class-A office floor, District 16
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
1751
10-yr return
280%
Net cashflow / mo
1751
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
821900 AED
Down payment (30%)
246570 AED
Acquisition fees (6.0%)
49314 AED
Mortgage principal
575330 AED
Total cash-in at close
295884 AED
🏦 Financing
Loan amount
575330 AED
Mortgage rate
4.99%
Term
25 years
Monthly payment
3360 AED
Annual debt service
40320 AED
📊 Year-1 operating P&L
Gross rent
+74793
Operating costs (18%)
−13463
Net operating income (NOI)
61330
− Debt service
−40320
− Income tax (0%)
−0
Net cashflow
21011 AED
📈 10-year projection
4.0% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 74793 | 13463 | 21011 | 854776 | 291326 |
| Y2 | 77785 | 14001 | 23464 | 888967 | 338003 |
| Y3 | 80896 | 14561 | 26015 | 924526 | 386686 |
| Y4 | 84132 | 15144 | 28668 | 961507 | 437461 |
| Y5 | 87497 | 15749 | 31428 | 999967 | 490420 |
| Y6 | 90997 | 16379 | 34298 | 1039966 | 545657 |
| Y7 | 94637 | 17035 | 37283 | 1081564 | 603273 |
| Y8 | 98422 | 17716 | 40387 | 1124827 | 663370 |
| Y9 | 102359 | 18425 | 43615 | 1169820 | 726057 |
| Y10 | 106454 | 19162 | 46972 | 1216613 | 791447 |
| Σ 10y | Cumulative net cashflow | 333140 | Equity at exit | 791447 | |
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.