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 13.29%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.24 pts | 13.29% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.29% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.29% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.29% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.29% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $23k | $22k | $8,286 | $13k | $10k | $1,342 | $11k | $1,961 | $137k | 7.20% |
| 2 | $24k | $22k | $8,504 | $14k | $9,909 | $1,443 | $11k | $2,391 | $136k | 7.43% |
| 3 | $24k | $23k | $8,728 | $14k | $9,801 | $1,551 | $11k | $2,835 | $134k | 7.67% |
| 4 | $25k | $24k | $8,958 | $15k | $9,685 | $1,667 | $11k | $3,292 | $133k | 7.92% |
| 5 | $26k | $24k | $9,194 | $15k | $9,560 | $1,792 | $11k | $3,764 | $131k | 8.18% |
| 6 | $27k | $25k | $9,437 | $16k | $9,426 | $1,926 | $11k | $4,251 | $129k | 8.44% |
| 7 | $27k | $26k | $9,686 | $16k | $9,281 | $2,071 | $11k | $4,753 | $127k | 8.71% |
| 8 | $28k | $27k | $9,942 | $17k | $9,126 | $2,226 | $11k | $5,271 | $125k | 8.99% |
| 9 | $29k | $27k | $10k | $17k | $8,959 | $2,393 | $11k | $5,805 | $122k | 9.28% |
| 10 | $30k | $28k | $10k | $18k | $8,780 | $2,572 | $11k | $6,356 | $120k | 9.58% |
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.