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 12.82%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.16, financeable in some structures but not generous. Treat this as a sensitivity deal: a vacancy miss, softer exit cap, or smaller rent premium can push it the wrong way.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.26 pts | 12.82% | +2.09 pts | |
| Purchase price | +1.90 pts | 12.82% | -1.86 pts | |
| Exit cap | +1.32 pts | 12.82% | -1.26 pts | |
| Mortgage rate | +0.75 pts | 12.82% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.82% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $21k | $20k | $7,769 | $12k | $9,198 | $1,233 | $10k | $1,684 | $126k | 7.13% |
| 2 | $22k | $20k | $7,973 | $13k | $9,105 | $1,326 | $10k | $2,076 | $125k | 7.36% |
| 3 | $22k | $21k | $8,183 | $13k | $9,006 | $1,425 | $10k | $2,481 | $123k | 7.60% |
| 4 | $23k | $22k | $8,398 | $13k | $8,899 | $1,532 | $10k | $2,898 | $122k | 7.85% |
| 5 | $24k | $22k | $8,620 | $14k | $8,784 | $1,647 | $10k | $3,329 | $120k | 8.10% |
| 6 | $25k | $23k | $8,847 | $14k | $8,661 | $1,770 | $10k | $3,773 | $118k | 8.36% |
| 7 | $25k | $24k | $9,080 | $15k | $8,528 | $1,903 | $10k | $4,231 | $117k | 8.63% |
| 8 | $26k | $24k | $9,320 | $15k | $8,386 | $2,046 | $10k | $4,704 | $115k | 8.91% |
| 9 | $27k | $25k | $9,566 | $16k | $8,232 | $2,199 | $10k | $5,192 | $112k | 9.20% |
| 10 | $28k | $26k | $9,819 | $16k | $8,067 | $2,364 | $10k | $5,694 | $110k | 9.49% |
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.