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 14.56%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.20, 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 | -2.20 pts | 14.56% | +2.04 pts | |
| Purchase price | +1.93 pts | 14.56% | -1.89 pts | |
| Exit cap | +1.28 pts | 14.56% | -1.22 pts | |
| Mortgage rate | +0.76 pts | 14.56% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.56% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $30k | $28k | $10k | $18k | $13k | $1,760 | $15k | $3,025 | $180k | 7.39% |
| 2 | $31k | $29k | $11k | $18k | $13k | $1,892 | $15k | $3,600 | $178k | 7.62% |
| 3 | $32k | $30k | $11k | $19k | $13k | $2,034 | $15k | $4,192 | $176k | 7.87% |
| 4 | $33k | $31k | $11k | $20k | $13k | $2,187 | $15k | $4,804 | $174k | 8.12% |
| 5 | $34k | $32k | $11k | $20k | $13k | $2,350 | $15k | $5,434 | $172k | 8.38% |
| 6 | $35k | $33k | $12k | $21k | $12k | $2,527 | $15k | $6,084 | $169k | 8.65% |
| 7 | $36k | $34k | $12k | $22k | $12k | $2,716 | $15k | $6,755 | $166k | 8.93% |
| 8 | $37k | $35k | $12k | $22k | $12k | $2,920 | $15k | $7,446 | $163k | 9.21% |
| 9 | $38k | $36k | $13k | $23k | $12k | $3,138 | $15k | $8,160 | $160k | 9.50% |
| 10 | $39k | $37k | $13k | $24k | $12k | $3,374 | $15k | $8,895 | $157k | 9.81% |
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.