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Dubai Daily E31: Building an AED 5M Portfolio Strategy
Welcome to Dubai Daily, your essential morning briefing on Dubai's real estate market.
🎙️ EPISODE OVERVIEW
Detailed AED 5M portfolio construction guide covering 60-30-10 allocation (60% ready properties, 30% off-plan, 10% reserves), top investment areas, financing strategies, and projected 5-year returns of 40-50% total with Golden Visa eligibility.
📊 KEY TOPICS COVERED
• Core allocation 60-30-10 (60% AED 3M mid-market ready for immediate rental income, 30% AED 1.5M off-plan for capital appreciation, 10% AED 500K reserve for fees/maintenance/opportunities)
• Top investment areas (JVC: 7.82% avg yields, studios 9%+, avg AED 687K-1.63M, 5-8% price growth; Business Bay: 6-8% yields, AED 750K-1.8M, 4-6% growth; DSO: 6-7% ROI; International City: 8% yields; DAMAC Hills 2: 6.72% yields)
• Recommended property mix (ready 60%: 2x 1-beds JVC AED 1M each, 1x studio Business Bay AED 750K, 1x 1-bed DSO AED 600K; off-plan 30%: 1-2 properties Dubai South/Creek Harbour, 10-20% cheaper, 70/30 or 80/20 payment plans)
• Financing strategy (Q1 2025 AED 41B mortgages, rates 3.7-5.4%, expat first home ≤AED 5M 20% down 80% LTV, expat investment 40% down 60% LTV; example: AED 3M ready needs AED 1.2M down, AED 1.5M off-plan needs AED 750K down, total AED 1.95M + fees)
• Expected returns (Year 1: AED 180K-210K rental income 6-7% yield, off-plan 5-10% appreciation; 5-year: ready 20-30% appreciation, off-plan 15-25% gains, total portfolio AED 6-6.5M, cumulative rental AED 900K-1.1M, 40-50% total return)
• Additional costs (DLD 4% registration, service charges AED 5-15/sqft annually, maintenance 5-10% rental income)
• Golden Visa eligible (AED 2M+ investment = 10-year visa)
💡 KEY TAKEAWAYS
• 60-30-10 allocation: 60% ready properties (immediate income), 30% off-plan (appreciation), 10% reserves
• JVC studios deliver 9%+ yields averaging AED 687K with 5-8% price growth expected 2025
• Financing example: Control AED 4.5M assets with AED 1.95M equity (2.3x leverage)
• Projected 5-year returns: 40-50% total (ready 20-30% appreciation, off-plan 15-25% gains, cumulative rental AED 900K-1.1M)
• Golden Visa eligible: AED 2M+ investment qualifies for 10-year renewable visa
📈 DATA SOURCES
Property Monitor | DXB Interact | Mortgage Data Q1 2025 | Dubai Land Department | Rental Yield Reports December 2025
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📞 CONTACT PARAG KUNDALWAL | CONSULTAA
Founder & CEO, Consultaa - Dubai Real Estate Consulting & Global Capital Advisory
🔗 LinkedIn: https://www.linkedin.com/in/paragkundalwal/
🌐 Website: https://consultaadxb.com
📧 Email: mailto:[email protected]
📱 Phone: tel:+971585964631
Dubai Daily airs Monday to Friday at 7:00 AM Dubai time.
Subscribe for your daily dose of Dubai real estate intelligence.
View all episodes
By Parag KundalwalWelcome to Dubai Daily, your essential morning briefing on Dubai's real estate market.
🎙️ EPISODE OVERVIEW
Detailed AED 5M portfolio construction guide covering 60-30-10 allocation (60% ready properties, 30% off-plan, 10% reserves), top investment areas, financing strategies, and projected 5-year returns of 40-50% total with Golden Visa eligibility.
📊 KEY TOPICS COVERED
• Core allocation 60-30-10 (60% AED 3M mid-market ready for immediate rental income, 30% AED 1.5M off-plan for capital appreciation, 10% AED 500K reserve for fees/maintenance/opportunities)
• Top investment areas (JVC: 7.82% avg yields, studios 9%+, avg AED 687K-1.63M, 5-8% price growth; Business Bay: 6-8% yields, AED 750K-1.8M, 4-6% growth; DSO: 6-7% ROI; International City: 8% yields; DAMAC Hills 2: 6.72% yields)
• Recommended property mix (ready 60%: 2x 1-beds JVC AED 1M each, 1x studio Business Bay AED 750K, 1x 1-bed DSO AED 600K; off-plan 30%: 1-2 properties Dubai South/Creek Harbour, 10-20% cheaper, 70/30 or 80/20 payment plans)
• Financing strategy (Q1 2025 AED 41B mortgages, rates 3.7-5.4%, expat first home ≤AED 5M 20% down 80% LTV, expat investment 40% down 60% LTV; example: AED 3M ready needs AED 1.2M down, AED 1.5M off-plan needs AED 750K down, total AED 1.95M + fees)
• Expected returns (Year 1: AED 180K-210K rental income 6-7% yield, off-plan 5-10% appreciation; 5-year: ready 20-30% appreciation, off-plan 15-25% gains, total portfolio AED 6-6.5M, cumulative rental AED 900K-1.1M, 40-50% total return)
• Additional costs (DLD 4% registration, service charges AED 5-15/sqft annually, maintenance 5-10% rental income)
• Golden Visa eligible (AED 2M+ investment = 10-year visa)
💡 KEY TAKEAWAYS
• 60-30-10 allocation: 60% ready properties (immediate income), 30% off-plan (appreciation), 10% reserves
• JVC studios deliver 9%+ yields averaging AED 687K with 5-8% price growth expected 2025
• Financing example: Control AED 4.5M assets with AED 1.95M equity (2.3x leverage)
• Projected 5-year returns: 40-50% total (ready 20-30% appreciation, off-plan 15-25% gains, cumulative rental AED 900K-1.1M)
• Golden Visa eligible: AED 2M+ investment qualifies for 10-year renewable visa
📈 DATA SOURCES
Property Monitor | DXB Interact | Mortgage Data Q1 2025 | Dubai Land Department | Rental Yield Reports December 2025
---
📞 CONTACT PARAG KUNDALWAL | CONSULTAA
Founder & CEO, Consultaa - Dubai Real Estate Consulting & Global Capital Advisory
🔗 LinkedIn: https://www.linkedin.com/in/paragkundalwal/
🌐 Website: https://consultaadxb.com
📧 Email: mailto:[email protected]
📱 Phone: tel:+971585964631
Dubai Daily airs Monday to Friday at 7:00 AM Dubai time.
Subscribe for your daily dose of Dubai real estate intelligence.