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 13.36%, 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 | 13.36% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.36% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.36% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.36% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.36% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $23k | $22k | $8,376 | $14k | $10k | $1,361 | $12k | $2,009 | $139k | 7.21% |
| 2 | $24k | $23k | $8,596 | $14k | $10k | $1,463 | $12k | $2,446 | $138k | 7.44% |
| 3 | $25k | $23k | $8,823 | $14k | $9,939 | $1,573 | $12k | $2,896 | $136k | 7.68% |
| 4 | $25k | $24k | $9,055 | $15k | $9,821 | $1,691 | $12k | $3,360 | $135k | 7.93% |
| 5 | $26k | $25k | $9,294 | $15k | $9,694 | $1,817 | $12k | $3,839 | $133k | 8.19% |
| 6 | $27k | $25k | $9,539 | $16k | $9,558 | $1,954 | $12k | $4,333 | $131k | 8.45% |
| 7 | $28k | $26k | $9,791 | $16k | $9,412 | $2,100 | $12k | $4,843 | $129k | 8.72% |
| 8 | $29k | $27k | $10k | $17k | $9,254 | $2,257 | $12k | $5,369 | $126k | 9.00% |
| 9 | $30k | $28k | $10k | $17k | $9,085 | $2,427 | $12k | $5,911 | $124k | 9.29% |
| 10 | $30k | $29k | $11k | $18k | $8,903 | $2,609 | $12k | $6,470 | $121k | 9.59% |
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.