The Legends exit decision lab

Hold the property—or release the equity?

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.

Published property

Scenario result

Hold, operate and exitAED 2,940,7585 years

Sell 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 2,000,000

Year-one cash flowAED 99,200

Year-one net yield5%

Monthly mortgageAED 0

Break-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.