Agentic intelligence · Real estate
Edit price, rent, debt, and exit in one model. Cap rate, cash-on-cash, DSCR, and levered IRR stay in sync.
The total return test across the full hold.
The lender filter. If this misses, IRR may not matter.
Year-one yield on your equity after debt and reserves.
Levered IRR lands at 6.40%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.95, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.61 pts | 6.40% | +2.32 pts | |
| Purchase price | +2.26 pts | 6.40% | -2.28 pts | |
| Exit cap | +1.70 pts | 6.40% | -1.68 pts | |
| Mortgage rate | +0.92 pts | 6.40% | -0.93 pts | |
| Vacancy | +0.52 pts | 6.40% | -0.54 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $32k | $30k | $12k | $19k | $17k | $2,323 | $20k | -$975 | $238k | 5.83% |
| 2 | $33k | $31k | $12k | $19k | $17k | $2,497 | $20k | -$368 | $235k | 6.02% |
| 3 | $34k | $32k | $12k | $20k | $17k | $2,684 | $20k | $257 | $232k | 6.22% |
| 4 | $35k | $33k | $13k | $21k | $17k | $2,885 | $20k | $902 | $230k | 6.42% |
| 5 | $36k | $34k | $13k | $21k | $17k | $3,102 | $20k | $1,568 | $227k | 6.63% |
| 6 | $37k | $35k | $13k | $22k | $16k | $3,334 | $20k | $2,255 | $223k | 6.84% |
| 7 | $38k | $36k | $14k | $23k | $16k | $3,584 | $20k | $2,963 | $220k | 7.07% |
| 8 | $40k | $37k | $14k | $23k | $16k | $3,853 | $20k | $3,694 | $216k | 7.29% |
| 9 | $41k | $38k | $14k | $24k | $16k | $4,141 | $20k | $4,448 | $212k | 7.53% |
| 10 | $42k | $39k | $15k | $25k | $15k | $4,452 | $20k | $5,225 | $207k | 7.77% |
Stabilize the asset, then refi on ARV instead of purchase price. See how much cash comes back at refi and what year-1 cash flow looks like on the new note.
Estimate the deferred gain, boot, carryover basis, and tax savings on a Section 1031 like-kind exchange.