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 15.57%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.23, 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 | -2.17 pts | 15.57% | +2.02 pts | |
| Purchase price | +1.96 pts | 15.57% | -1.91 pts | |
| Exit cap | +1.25 pts | 15.57% | -1.19 pts | |
| Mortgage rate | +0.76 pts | 15.57% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.57% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $40k | $37k | $13k | $24k | $17k | $2,328 | $20k | $4,471 | $238k | 7.53% |
| 2 | $41k | $38k | $13k | $25k | $17k | $2,503 | $20k | $5,242 | $236k | 7.77% |
| 3 | $42k | $39k | $14k | $26k | $17k | $2,691 | $20k | $6,037 | $233k | 8.02% |
| 4 | $43k | $41k | $14k | $27k | $17k | $2,892 | $20k | $6,858 | $230k | 8.28% |
| 5 | $44k | $42k | $14k | $27k | $17k | $3,109 | $20k | $7,704 | $227k | 8.54% |
| 6 | $46k | $43k | $15k | $28k | $16k | $3,342 | $20k | $8,576 | $224k | 8.81% |
| 7 | $47k | $44k | $15k | $29k | $16k | $3,593 | $20k | $9,475 | $220k | 9.09% |
| 8 | $49k | $46k | $16k | $30k | $16k | $3,862 | $20k | $10k | $216k | 9.38% |
| 9 | $50k | $47k | $16k | $31k | $16k | $4,151 | $20k | $11k | $212k | 9.68% |
| 10 | $52k | $48k | $16k | $32k | $15k | $4,462 | $20k | $12k | $208k | 9.99% |
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.