Property Investment Calculator

Use this calculator to assess a residential or commercial property before you commit. It separates headline rental yield from income after vacancy, service charges, maintenance, management costs and financing.

Enter your own figures. The prefilled values are illustrative assumptions, not asking prices, achieved rents or market forecasts for any specific Dubai community.

MOHAMED RABIE | REAL ESTATE INVESTMENT TOOLS

Property Investment Feasibility Calculator

Assess the deal from acquisition to exit. Enter rent, operating costs, vacancy, financing and holding period to review net yield, cash flow and sensitivity scenarios.

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Property and income assumptions

Estimate the share of the year the property may remain without a tenant. For example, 5% is about 18 days per year.
Investment and financing assumptions — Optional assumptions for a more complete estimate.
Enable this option to include the down payment, annual debt service and outstanding loan balance.

Deal metrics

Gross rental yield—
Yield after vacancy—
Net operating yield—Unfinanced
Annual net operating income—
Annual cash flow after debt service—
Initial cash equity required—
Cash-on-cash return—
Approximate annual break-even rent—
Equity multiple—

Cash flow and property value over the holding period

YearPotential rentRent after vacancyNet operating incomeDebt serviceNet cash flowIllustrative property value

Illustrative exit analysis

Assumed sale value—
Selling costs—
Outstanding loan balance—
Net sale proceeds—
Illustrative profit / loss—
Total return on equity—
Illustrative annualised return—

Scenario testing

These are mechanical sensitivities, not market forecasts. Conservative assumes rent -10%, vacancy +3 points, expenses +10% and appreciation -1 point. Upside assumes rent +10%, vacancy -2 points, expenses -5% and appreciation +1 point. You can change the underlying deal assumptions above.

ScenarioYear-one collected rentYear-one net operating incomeNet operating yieldIllustrative exit result

Important: Results are educational estimates based entirely on the inputs you provide. They are not verified market prices or rents and cannot guarantee occupancy, financing, appreciation or resale. Mortgage payments assume a fully amortising loan with equal monthly payments. Taxes and fees not entered are excluded. This tool is not investment advice.

Results update automatically. Your inputs are not saved or sent to the server.

What the calculator measures

  • Gross rental yield: potential annual rent divided by the purchase price, before vacancy and expenses.
  • Effective yield: rent remaining after the vacancy allowance, divided by the purchase price.
  • Net operating yield: net operating income after vacancy and entered operating costs, divided by total acquisition cost.
  • Cash-on-cash return: annual cash flow after estimated mortgage payments, divided by the initial cash equity.
  • Exit analysis: an illustrative sale value, selling costs and remaining loan balance at the end of the selected holding period.

How to use it properly

Start with a realistic rent supported by comparable, achieved leases rather than asking rents. Enter the actual service charge and a vacancy allowance that reflects the building, unit type and tenant market. Add maintenance, insurance, management and transaction costs. Only enable the mortgage option when you have a credible financing assumption.

The Conservative, Base and Upside cases are sensitivity tests. They change selected assumptions to show how exposed a deal may be; they are not forecasts. A result is only as reliable as the inputs behind it.

Important limitations

The calculator runs in your browser. It does not save or transmit your inputs. It does not retrieve live DLD transactions, current market rents, mortgage offers, tax advice or project-specific service charges. Financing is estimated using a standard amortising-loan formula. Taxes, legal costs and other items are excluded unless entered manually. Use transaction documents and independent professional advice before making an investment decision.