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Vacancy should be modelled as a range, not assumed to be zero or catastrophic. Run the numbers for a quick replacement, a moderate empty period and a longer one, including preparation work in each case. If the proposed annual gain disappears under the moderate scenario, retaining the tenant at a...

Structure it so price and risk are separate. Offer the 5% reduction, attach financing evidence, give a clear response deadline, and state that completion timing can suit the seller. Then retain inspection and financing conditions, plus protection if the valuation creates an appraisal gap you...

Start with your essential monthly outgoings and decide how many months the emergency fund must cover. Until that is known, AED 132,100 does not say much about the strength of the buffer. I would also wait for the inspection report, price the urgent items and only then decide what is available...