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 14.98%, 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 | -2.18 pts | 14.98% | +2.03 pts | |
| Purchase price | +1.99 pts | 14.98% | -1.93 pts | |
| Exit cap | +1.28 pts | 14.98% | -1.22 pts | |
| Mortgage rate | +0.78 pts | 14.98% | -0.78 pts | |
| Vacancy | +0.45 pts | 14.98% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $43k | $41k | $14k | $26k | $19k | $2,606 | $22k | $4,456 | $267k | 7.38% |
| 2 | $44k | $42k | $14k | $27k | $19k | $2,801 | $22k | $5,301 | $264k | 7.62% |
| 3 | $46k | $43k | $15k | $28k | $19k | $3,011 | $22k | $6,173 | $261k | 7.86% |
| 4 | $47k | $44k | $15k | $29k | $19k | $3,237 | $22k | $7,073 | $258k | 8.11% |
| 5 | $49k | $46k | $16k | $30k | $19k | $3,480 | $22k | $8,000 | $254k | 8.37% |
| 6 | $50k | $47k | $16k | $31k | $18k | $3,740 | $22k | $8,957 | $250k | 8.63% |
| 7 | $52k | $48k | $16k | $32k | $18k | $4,021 | $22k | $9,943 | $246k | 8.91% |
| 8 | $53k | $50k | $17k | $33k | $18k | $4,322 | $22k | $11k | $242k | 9.19% |
| 9 | $55k | $51k | $17k | $34k | $17k | $4,646 | $22k | $12k | $237k | 9.48% |
| 10 | $56k | $53k | $18k | $35k | $17k | $4,994 | $22k | $13k | $232k | 9.79% |
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.