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IWR · Decision tools · Your inputs

Test the numbers before they become a story.

Four deterministic models for a UAE real estate decision. They calculate only what you enter, expose the arithmetic and stop when the inputs do not reconcile.

Open the modelsPressure-test with Raj
Dubai, seen from aboveStart with the whole picture

How to use the page

Evidence in. Arithmetic out.

A calculator cannot improve a weak assumption. Start with current written evidence, enter zeros deliberately and preserve the result as a question—not a conclusion.

  1. 01

    Source the input

    Use a current quote, schedule, rent evidence or authority page. Do not copy a salesperson's headline without its date.

  2. 02

    Reconcile the model

    The page rejects missing, negative or internally inconsistent values. It never silently repairs them.

  3. 03

    Challenge the result

    Change the fragile input, list what remains excluded and ask what would make the decision fail.

The four models

No hidden defaults. No invented market data.

Every field begins empty. Save a scenario to reopen it on this device. It is shared with Raj only if you select it for your brief.

01 / Home and relocationCash to closeDeposit plus entered acquisition costs

01 · Home and relocation buyers

Cash-to-close model

Separate the deposit from the costs paid above the property price.

No fee is assumed. Enter the percentages and fixed costs shown in your current written quote. Read the Dubai transfer-cost examples.

Waiting for your assumptions

Enter all five fields. Use zero only when a cost genuinely does not apply.

Calculationprice × deposit % + price × entered fee % + fixed costs

This is a cash-planning model, not a fee quote or mortgage approval. It excludes costs you do not enter.

02 / InvestmentNet operating yieldIncome after entered vacancy and operating costs

02 · Real estate investors

Net operating-yield model

Move from headline rent to income after the operating cost stack.

Rent and costs must come from evidence you trust. The model does not estimate rent, appreciation, resale price or occupancy.

Waiting for your assumptions

Enter every field, including zero where a cost does not apply.

Calculation(rent − vacancy − service − management − other) ÷ total cost basis

Financing, tax, capital growth, selling costs and currency movement are outside this model. A negative result is shown, not hidden.

03 / Off-planPayment-plan timingFour stages that must reconcile to 100%

03 · Off-plan capital timing

Payment-plan translator

Convert four percentages into cash amounts and reject an incomplete plan.

Copy the percentages from the current written payment schedule. The four stages must total exactly 100%.

Include a booking payment in the price split only once. Read the worked 80/20 and 60/40 examples.

Waiting for your assumptions

Enter the price and all four percentages from the written schedule.

Calculationentered price × each written stage percentage

Dates, construction milestones, fees, delays and developer enforcement are not inferred. Confirm those separately.

04 / Residency researchPublished property-value lineA comparison only, never an eligibility verdict

04 · Residency-linked research

Published value-line comparison

Compare one entered property value with the published UAE real-estate investor threshold.
Published property-value lineAED 2,000,000

The threshold is a single test, not an application decision. Ownership, financing, project and document treatment require authority confirmation.

Waiting for your assumptions

Enter a property value. No approval or visa duration is inferred.

Calculationentered property value − AED 2,000,000

At or above the value line does not confirm that the file meets the route requirements or will be approved. ICP and Dubai Land Department both describe ten-year property routes, but their finance and document requirements are not interchangeable. The entered value is not a paid-amount, title or off-plan approval test.

Authority pages reviewed 23 October 2026ICP Golden Residency ↗Dubai Land Department investor service ↗
Read the off-plan value and payment example →

Continue the research

For home buyersSequence the first purchaseRead the guide →For investorsBuild an investment appraisalRead the guide →For a wider readBrowse Raj's current intelligenceOpen intelligence →

The fifteen minutes

Bring the result you trust least.

A working call, not a pitch. Raj will identify the evidence still missing, the input doing too much work and whether the next move is to proceed, renegotiate or wait.

Share the result and its weakest assumption