ROI, ROE, Cash Flow, Off-Plan Exit and Mortgage Impact — in One Advisory Tool.
A serious Dubai property decision needs more than gross yield. This tool helps investors compare off-plan resale profit, off-plan hold-to-rent strategy, and secondary ready-property mortgage cash flow.
Investor Scenario
Select the situation closest to the deal. The calculator will change the advisory interpretation based on off-plan exit, hold-to-rent, or ready-property mortgage strategy.
Off-Plan Exit Before Handover
For investors who buy off-plan, pay a portion during construction, and want to check ROE if they sell before handover.
Off-Plan Hold After Handover
For off-plan buyers who may take mortgage at handover and rent the property after completion.
Secondary / Ready Property Investor
For ready properties where the buyer pays down payment and uses mortgage from day one.
Investor Dashboard
This dashboard separates property-level return from cash-level return, because serious investors must understand both.
Most Calculators Stop at Rental Yield. Serious Investors Go Further.
Billionaires, family offices and serious investors do not look only at rent. They review cash invested, cost basis, financing pressure, exit value, net proceeds, cash flow and downside sensitivity.
ROE Before Handover
Shows whether the investor’s cash locked into an off-plan property is producing a meaningful resale return after fees.
Mortgage Cash Flow
Shows whether expected rent can carry service charges, maintenance, vacancy, management and mortgage payments.
Cash-on-Cash Logic
Shows how down payment, fees, mortgage, rental income and exit value affect investor return on actual cash used.
How to Read the Output.
| Metric | Meaning | Advisory Use |
|---|---|---|
| ROI | Return compared with total cost or property cost basis. | Useful for asset-level comparison. |
| ROE | Return on actual cash/equity invested. | Critical for off-plan and mortgage investors. |
| Cash Flow | Rent after expenses and mortgage payments. | Shows whether the property pays you or costs you. |
| Break-Even Rent | Rent needed to cover costs and debt service. | Shows rental pressure and safety margin. |
| Exit Profit | Net profit after sale price, costs and capital invested. | Important for off-plan resale and secondary exit planning. |
Numbers are not enough. The interpretation is where the decision begins.
This tool is designed to create a serious investor conversation. Final advice should review community, developer, unit, floor, view, payment plan, service charges, rent evidence, mortgage offer, supply pipeline and exit liquidity.
Before You Invest, Understand the Real Return Route.
Use this calculator as a starting point. Then speak to Auram Prime Real Estate for a property-specific investor review.