Compare two uses of the same equity over the same period: keep the property with its income, costs and debt, or sell now and compound the net proceeds at an alternative return you choose.
Scenario result
Hold, operate and exitAED 2,940,7585 yearsSell now and compoundAED 2,488,749Sell-now net proceeds today: AED 1,950,000
Difference at the horizonAED 452,009Hold route ahead in this scenario
Net equity todayAED 2,000,000Year-one cash flowAED 99,200Year-one net yield5%Monthly mortgageAED 0Break-even value growth-0.3%Break-even annual rentAED 47,898
Exit timeline
See the same property at 1, 3 and 5 years.
Each horizon uses the same assumptions above, amortises the loan to that date and keeps sale costs separate from accumulated rental cash flow.
1year exit
Property value
AED 2,080,000
Net sale equity
AED 2,028,000
Accumulated rental cash
AED 99,200
Total exit wealth
AED 2,127,200
Profit on equity today
AED 127,200
Return on equity
6.4%
vs sell-now alternativeAED 79,700 ahead
3year exit
Property value
AED 2,249,728
Net sale equity
AED 2,193,485
Accumulated rental cash
AED 318,502
Total exit wealth
AED 2,511,986
Profit on equity today
AED 511,986
Return on equity
25.6%
vs sell-now alternativeAED 254,618 ahead
5year exit
Property value
AED 2,433,306
Net sale equity
AED 2,372,473
Accumulated rental cash
AED 568,285
Total exit wealth
AED 2,940,758
Profit on equity today
AED 940,758
Return on equity
47%
vs sell-now alternativeAED 452,009 ahead
Hold-route operating path
Test what really changes the answer
The sell-now route compounds net proceeds after current selling, debt and settlement allowances. The hold route adds rental cash flow—compounded at the same alternative rate—to net sale equity at the chosen horizon.
Year
Gross rent
Net operating income
Debt service
Cash flow
1
AED 140,000
AED 99,200
AED 0
AED 99,200
2
AED 142,800
AED 101,082
AED 0
AED 101,082
3
AED 145,656
AED 102,998
AED 0
AED 102,998
4
AED 148,569
AED 104,950
AED 0
AED 104,950
5
AED 151,541
AED 106,939
AED 0
AED 106,939
Property value at exit
AED 2,433,306
Mortgage balance at exit
AED 0
Accumulated operating cash flow
AED 568,285
The shared link includes the financial assumptions shown above. Do not use it for confidential account or identity information.
Advisor checkpoint
Validate the evidence before acting.
Ask The Legends to test the current value, achievable rent, selling route, finance balance and realistic alternative—not only the headline difference.
Illustrative owner-planning tool only, before tax and any costs not entered. It is not a valuation, sale recommendation, rental or capital-growth forecast, finance statement, tax or legal advice, or a guarantee of either route. Verify every property, loan and transaction figure with the appropriate qualified party.
