Compare the same property under base, cautious and stress assumptions. Every change in rent, vacancy, finance, maintenance and exit value stays visible.
01
Deal inputs
02
Base case
Your working case—not a forecast.
03
Cautious case
A softer income and finance environment.
04
Stress case
A deliberate downside test, not a prediction.
Base caseAED 579,365Five-year profit
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
Cautious caseAED 97,450Five-year profit
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
Stress case-AED 478,519Five-year profit
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.
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.
