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 15.95%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.24, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.16 pts | 15.95% | +2.02 pts | |
| Purchase price | +1.98 pts | 15.95% | -1.92 pts | |
| Exit cap | +1.25 pts | 15.95% | -1.18 pts | |
| Mortgage rate | +0.77 pts | 15.95% | -0.77 pts | |
| Vacancy | +0.44 pts | 15.95% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $45k | $42k | $14k | $28k | $20k | $2,650 | $22k | $5,288 | $271k | 7.59% |
| 2 | $46k | $43k | $15k | $29k | $20k | $2,848 | $22k | $6,170 | $268k | 7.83% |
| 3 | $48k | $45k | $15k | $29k | $19k | $3,062 | $22k | $7,080 | $265k | 8.08% |
| 4 | $49k | $46k | $16k | $30k | $19k | $3,291 | $22k | $8,019 | $262k | 8.34% |
| 5 | $51k | $47k | $16k | $31k | $19k | $3,538 | $22k | $8,986 | $258k | 8.60% |
| 6 | $52k | $49k | $17k | $32k | $19k | $3,803 | $22k | $9,984 | $255k | 8.87% |
| 7 | $54k | $50k | $17k | $33k | $18k | $4,088 | $22k | $11k | $250k | 9.16% |
| 8 | $55k | $52k | $17k | $34k | $18k | $4,394 | $22k | $12k | $246k | 9.45% |
| 9 | $57k | $53k | $18k | $36k | $18k | $4,724 | $22k | $13k | $241k | 9.75% |
| 10 | $59k | $55k | $18k | $37k | $17k | $5,078 | $22k | $14k | $236k | 10.06% |
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.