Investor Return Intelligence: Read the Return After Cost, Debt and Exit.
Investor Return Intelligence separates headline yield from actual cash invested, operating cost, mortgage pressure, break-even rent and exit outcome across three distinct property strategies.
Investor Return Intelligence Contents
Enter the Assumptions Behind the Return.
Personal contact details are not required. Calculate first, then copy or share the result only when it is useful.
Off-Plan Exit Before Handover
Off-Plan Hold After Handover
Ready or Resale Investment
Read the Net Outcome, Not Only the Headline Yield.
The result will appear after calculation and will change with the selected strategy.
Advisory Interpretation
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What Investor Return Intelligence Tests.
A meaningful investment review connects return to the cash actually used, the annual cost of ownership, debt pressure and the ability to exit.
Cash Invested
Measures equity, paid instalments, registration, finance, fit-out and other entered acquisition costs.
Net Operating Income
Reduces expected rent by vacancy, management, service charges, maintenance and other annual costs.
Mortgage Pressure
Separates rental performance from the effect of modelled monthly debt service.
Cash-on-Cash Return
Measures annual cash flow against the actual cash invested rather than the full property price.
Break-Even Rent
Estimates the rent required to carry the entered operating costs and mortgage.
Debt Coverage
Tests how strongly net operating income covers annual modelled debt service.
Off-Plan Exit Cost
Tests whether the expected premium survives registration, transfer, agency and holding costs.
Handover Funding
Shows the equity still required after the entered future handover-loan assumption.
Illustrative Exit
Models remaining loan balance, selling cost and cumulative cash flow over the selected holding period.
Use the Right Percentage for the Right Question.
| Metric | What It Measures | What It Does Not Prove |
|---|---|---|
| Gross Yield | Annual headline rent divided by purchase price. | It does not include vacancy, service charges, management, maintenance or debt. |
| Net Yield | Net operating income divided by the entered total acquisition cost. | It does not automatically include mortgage principal or future capital expenditure. |
| Cash-on-Cash | Annual cash flow after modelled debt divided by actual cash invested. | It does not guarantee appreciation or resale liquidity. |
| ROE | Profit compared with the cash or equity invested. | A high ROE can result from leverage or a small equity base and may carry higher risk. |
| DSCR | Net operating income divided by annual debt service. | It does not confirm bank approval or protect against future rent and rate changes. |
| Illustrative IRR | Annualised levered return from modelled yearly cash flows and the entered exit value. | It is highly sensitive to timing, rent, financing and exit assumptions. |
Check the Assumptions Closest to the Source.
Investor Return Intelligence keeps fees editable because the actual allocation and transaction structure can differ.
Dubai Land Department
Verify sale registration, trustee, mortgage-registration and project information through current DLD services before commitment.
Central Bank of the UAE
Use the current bank Key Facts Statement and official EIBOR information rather than relying on a stale mortgage-rate assumption.
Return Logic Should Connect to Cost, Finance, Location and Exit.
Use the next route that matches the missing evidence in the property decision.
Dubai Buying Cost Calculator
Estimate acquisition cash, registration, finance setup, furnishing and retained liquidity beyond the price.
Mortgage EMI Comfort Checker
Test repayment, rate stress, valuation pressure, liabilities and reserve strength before relying on leverage.
Dubai Area Guides
Compare community maturity, access, lifestyle, future supply and ownership context before selecting an asset.
Dubai Market Insights
Review transaction direction, supply, demand and market interpretation before relying on one projected return.
Seller Net Proceeds Calculator
Estimate the cash that may remain after liabilities and selling costs when the investment is eventually exited.
Property-Specific Investment Review
Bring the actual asset, documents, comparable transactions, rent evidence, finance and exit assumptions into one review.
Frequently Asked Questions
What does Investor Return Intelligence measure?
It measures scenario-specific return using cash invested, buying and selling costs, rent, operating expenses, mortgage payments, break-even rent and an illustrative exit route. The output changes for off-plan exit, off-plan hold and ready or resale investment.
Why is gross yield not enough?
Gross yield ignores service charges, vacancy, management, maintenance, furnishing, finance and exit costs. A property can show an attractive gross yield while producing weak or negative cash flow.
Does the calculator guarantee ROI, ROE, rent or resale value?
No. Results depend entirely on user inputs and assumptions. Auram Prime does not guarantee rent, occupancy, appreciation, resale, mortgage approval, valuation, ROI or ROE.
How is an off-plan exit reviewed?
The tool compares the expected premium with registration, acquisition, transfer, agency, VAT and holding costs, then measures net profit against the actual cash invested so far.
How is a mortgaged rental property reviewed?
The tool estimates net operating income, monthly mortgage payment, annual cash flow, cash-on-cash return, debt-service coverage and break-even rent using the entered assumptions.
What should be verified before investing?
Verify the SPA or MOU, developer transfer rules, current DLD charges, bank Key Facts Statement, service-charge evidence, rent comparables, vacancy, management terms, building condition, future supply and realistic exit liquidity.
Use the Calculation to Ask Better Questions—Then Review the Actual Asset.
A private Auram Prime review can test the exact property, documents, comparable transactions, rent evidence, service charges, finance route, future supply and exit liquidity without exposing internal decision mechanics publicly.