Base case
Your working case—not a forecast.
The Legends downside desk
Pressure-test the deal before the deal tests you.
Compare the same property under base, cautious and stress assumptions. Every change in rent, vacancy, finance, maintenance and exit value stays visible.
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Deal inputs
Cautious case
A softer income and finance environment.
Stress case
A deliberate downside test, not a prediction.
- ROI on initial cash
- 93.4%
- Monthly mortgage
- AED 8,126
- Lowest annual cash flow
- AED 19,487
- Year-one DSCR
- 1.2×
- Reserve after lowest year
- AED 60,000
- Estimated exit equity
- AED 1,060,196
- Exit loan-to-value
- 53.9%
Annual cash flow
Year 1AED 19,487
Year 2AED 23,537
Year 3AED 27,709
Year 4AED 32,005
Year 5AED 36,431
- ROI on initial cash
- 15.7%
- Monthly mortgage
- AED 8,989
- Lowest annual cash flow
- -AED 2,115
- Year-one DSCR
- 0.98×
- Reserve after lowest year
- AED 57,885
- Estimated exit equity
- AED 715,524
- Exit loan-to-value
- 63.5%
Annual cash flow
Year 1-AED 2,115
Year 2-AED 877
Year 3AED 373
Year 4AED 1,635
Year 5AED 2,910
- ROI on initial cash
- -77.2%
- Monthly mortgage
- AED 9,895
- Lowest annual cash flow
- -AED 39,892
- Year-one DSCR
- 0.73×
- Reserve after lowest year
- AED 20,108
- Estimated exit equity
- AED 320,768
- Exit loan-to-value
- 78.8%
Annual cash flow
Year 1-AED 31,740
Year 2-AED 33,840
Year 3-AED 35,898
Year 4-AED 37,915
Year 5-AED 39,892
Base-to-stress profit spread
AED 1,057,884
This is the amount of modeled five-year profit that disappears between the entered base and stress cases.
Saved only on this device. No identity, bank document or personal financial data is stored.
The Legends review
Build the evidence behind the downside case.
The property reference and modeled stress result carry into the enquiry. The local scenario is never sent automatically.
Continue to Investor Break-even Map →Illustrative sensitivity tool only—not a valuation, market forecast, mortgage offer, investment recommendation, income or capital guarantee, legal or tax advice. Rates, rents, vacancy, charges, maintenance, finance eligibility, sale costs and exit value are user assumptions. The Legends must verify property-specific evidence and qualified financial, legal and tax advice before any decision.