3-BED VILLA ALMA 1
3BR + 4BA · 2,747 sqft · Alma 1
▼ −3.1%★ Golden VisaVerified 4d ago
4-day history
II · THE THESIS
DEAL SCORE 19 / 100WHY THIS IS A DEAL
BOTTOM LINE
Below average — seller has made 1 cut since listing 17d ago. Fair offer band: $1.52M–$1.58M.
01
HEADLINE · COMPOSITE
Below average
SCORE BREAKDOWN
6
4
9
Drop % 6/35
Negotiability 4/25
Confidence 9/10
Insider unlocks the four evidence rows below.
03
BASED ON · MOTIVATION · CUT COUNT · TIME ON MARKET · TOTAL REDUCTION
Motivation · Negotiability · Below median · Every section below
INPUTS
4 signals + relist
WEIGHTS
Drop 35 · Neg 25 · Med 20 · Conf 10 · Relist 10
COMPS
Active comps refreshed 3× daily
OFFER BAND
−7% … −3% vs asking
BENCHMARK
Alma, last 180d
REFRESH
3× daily
III · THE EVIDENCE
1 CUT · −3.1% · −-$53KPRICE ACTION · 0 DAYS
AskingExpected rangeCut event
CUT-BY-CUT · 1 EVENT
D0
was $1.69M → $1.63M
0d after listing
−3.1%
-$53K
TOTAL · 0D
−3.1%
-$53K
NARRATIVESingle cut of 3.1% — early signal that the seller is testing the market.
Unlock the price history · AED 199 / mo
Every cut event · area median overlay · CSV export
IV · CASHFLOW
UAE CB GUIDELINES · YOUR ASSUMPTIONSMORTGAGE · RENT · BREAK-EVEN
YOUR ASSUMPTIONS
Down payment20%
15%40%
Interest rate6.00%
3.50%8.00%
Term25 yr
15 yr30 yr
UAE CB caps · 25-yr tenor · 80% LTV on a first home ≤ AED 5M · rates vary by bank — drag the sliders
MONTHLY · NOW
$8K−$274 / mo
vs $9K at pre-drop price ($1.69M) · See cuts ↓
DOWN PAYMENT
$327K
20% of price
DLD FEE
$65K
4% of price
MORTGAGE REG
$3K
0.25% loan + 290
CASH TO CLOSE
$395K
Day-one out-of-pocket
LOAN AMOUNT
$1.31M
25y · 6.00%
TOTAL INTEREST
$1.22M
Over full term
RENT VS BUY
RENT · ESTIMATE
$8K
/ mo · ~6% gross yield
BUY · NOW
$8K
+$252 / mo
Your monthly cost is already higher than the rent estimate — the buy vs rent break-even leans on price appreciation rather than monthly cash flow.
STRESS TEST
AT VARIOUS RATESIf rates climb to 8%, your payment grows by ~$2K/mo.
VII · TRUST & ACTION
DATA ATTESTEDTHIS IS THE MOMENT
SOURCE & CONFIDENCE
90%HIGH
Source
PropertyFinder
Ref · ES-7812
Last verified
…
07 Oct, 05:21
Freshness
3× daily
8h scan window
Method
Direct scrape
Reference-keyed
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