Cash Flow

Cash flow measures actual money received minus money paid out. Gross cash flow is rental income before expenses; net cash flow is income after all operating expenses and debt service.

Cash Flow TypeCalculation
Gross cash flowTotal rent collected
Net operating cash flowRent minus operating expenses (pre-debt)
Net cash flow after debtNOI minus mortgage payments
Net cash flow after taxAfter debt service minus tax liability
Example: AED 1.5M StudioAnnual Amount
Gross rental incomeAED 75,000
Operating expensesAED 20,000
Net operating cash flowAED 55,000
Mortgage payment (if 75% LTV)AED 48,000
Net cash flow after debtAED 7,000


Related Terms

Net Operating Income (NOI)Cash-on-Cash ReturnDebt ServiceOperating ExpensesDSCR LoanOperating Expenses

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