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 8.37%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.05, 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 | -2.51 pts | 8.37% | +2.26 pts | |
| Purchase price | +1.86 pts | 8.37% | -1.87 pts | |
| Exit cap | +1.45 pts | 8.37% | -1.41 pts | |
| Mortgage rate | +0.75 pts | 8.37% | -0.76 pts | |
| Vacancy | +0.52 pts | 8.37% | -0.53 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $12k | $11k | $5,218 | $6,205 | $5,192 | $696 | $5,888 | $317 | $71k | 6.47% |
| 2 | $13k | $12k | $5,354 | $6,411 | $5,140 | $748 | $5,888 | $523 | $70k | 6.69% |
| 3 | $13k | $12k | $5,494 | $6,624 | $5,083 | $804 | $5,888 | $736 | $70k | 6.91% |
| 4 | $13k | $12k | $5,638 | $6,844 | $5,023 | $865 | $5,888 | $956 | $69k | 7.14% |
| 5 | $14k | $13k | $5,785 | $7,071 | $4,958 | $930 | $5,888 | $1,183 | $68k | 7.37% |
| 6 | $14k | $13k | $5,937 | $7,305 | $4,889 | $999 | $5,888 | $1,417 | $67k | 7.62% |
| 7 | $15k | $14k | $6,092 | $7,547 | $4,814 | $1,074 | $5,888 | $1,659 | $66k | 7.87% |
| 8 | $15k | $14k | $6,252 | $7,796 | $4,733 | $1,155 | $5,888 | $1,909 | $65k | 8.13% |
| 9 | $15k | $14k | $6,416 | $8,054 | $4,647 | $1,241 | $5,888 | $2,166 | $63k | 8.40% |
| 10 | $16k | $15k | $6,584 | $8,320 | $4,554 | $1,334 | $5,888 | $2,432 | $62k | 8.68% |
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.