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 7.38%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.03, 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 | -2.59 pts | 7.38% | +2.31 pts | |
| Purchase price | +1.87 pts | 7.38% | -1.88 pts | |
| Exit cap | +1.49 pts | 7.38% | -1.45 pts | |
| Mortgage rate | +0.76 pts | 7.38% | -0.77 pts | |
| Vacancy | +0.54 pts | 7.38% | -0.55 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $10k | $4,928 | $5,534 | $4,737 | $635 | $5,372 | $162 | $65k | 6.32% |
| 2 | $11k | $11k | $5,057 | $5,719 | $4,689 | $683 | $5,372 | $347 | $64k | 6.54% |
| 3 | $12k | $11k | $5,189 | $5,910 | $4,638 | $734 | $5,372 | $538 | $64k | 6.75% |
| 4 | $12k | $11k | $5,325 | $6,108 | $4,583 | $789 | $5,372 | $736 | $63k | 6.98% |
| 5 | $13k | $12k | $5,464 | $6,312 | $4,524 | $848 | $5,372 | $940 | $62k | 7.21% |
| 6 | $13k | $12k | $5,607 | $6,522 | $4,460 | $912 | $5,372 | $1,150 | $61k | 7.45% |
| 7 | $13k | $12k | $5,753 | $6,739 | $4,392 | $980 | $5,372 | $1,367 | $60k | 7.70% |
| 8 | $14k | $13k | $5,904 | $6,963 | $4,319 | $1,053 | $5,372 | $1,591 | $59k | 7.96% |
| 9 | $14k | $13k | $6,059 | $7,195 | $4,240 | $1,132 | $5,372 | $1,823 | $58k | 8.22% |
| 10 | $15k | $14k | $6,217 | $7,434 | $4,155 | $1,217 | $5,372 | $2,062 | $57k | 8.50% |
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.