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 8.22%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.05, 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 | -2.53 pts | 8.22% | +2.27 pts | |
| Purchase price | +1.86 pts | 8.22% | -1.87 pts | |
| Exit cap | +1.46 pts | 8.22% | -1.41 pts | |
| Mortgage rate | +0.76 pts | 8.22% | -0.76 pts | |
| Vacancy | +0.52 pts | 8.22% | -0.54 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $12k | $11k | $5,170 | $6,093 | $5,116 | $686 | $5,802 | $291 | $70k | 6.45% |
| 2 | $12k | $12k | $5,305 | $6,296 | $5,065 | $737 | $5,802 | $494 | $69k | 6.66% |
| 3 | $13k | $12k | $5,443 | $6,505 | $5,009 | $793 | $5,802 | $703 | $69k | 6.88% |
| 4 | $13k | $12k | $5,586 | $6,721 | $4,950 | $852 | $5,802 | $919 | $68k | 7.11% |
| 5 | $13k | $13k | $5,732 | $6,944 | $4,886 | $916 | $5,802 | $1,143 | $67k | 7.35% |
| 6 | $14k | $13k | $5,882 | $7,175 | $4,817 | $985 | $5,802 | $1,373 | $66k | 7.59% |
| 7 | $14k | $13k | $6,036 | $7,412 | $4,743 | $1,058 | $5,802 | $1,610 | $65k | 7.84% |
| 8 | $15k | $14k | $6,194 | $7,658 | $4,664 | $1,138 | $5,802 | $1,856 | $64k | 8.10% |
| 9 | $15k | $14k | $6,357 | $7,911 | $4,579 | $1,223 | $5,802 | $2,109 | $62k | 8.37% |
| 10 | $16k | $15k | $6,523 | $8,172 | $4,487 | $1,315 | $5,802 | $2,370 | $61k | 8.65% |
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.