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 14.04%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.19, 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 | -2.22 pts | 14.04% | +2.05 pts | |
| Purchase price | +1.92 pts | 14.04% | -1.88 pts | |
| Exit cap | +1.29 pts | 14.04% | -1.23 pts | |
| Mortgage rate | +0.76 pts | 14.04% | -0.76 pts | |
| Vacancy | +0.46 pts | 14.04% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $27k | $25k | $9,324 | $16k | $12k | $1,561 | $13k | $2,517 | $160k | 7.31% |
| 2 | $27k | $26k | $9,569 | $16k | $12k | $1,678 | $13k | $3,023 | $158k | 7.55% |
| 3 | $28k | $27k | $9,822 | $17k | $11k | $1,803 | $13k | $3,544 | $156k | 7.79% |
| 4 | $29k | $27k | $10k | $17k | $11k | $1,939 | $13k | $4,082 | $154k | 8.04% |
| 5 | $30k | $28k | $10k | $18k | $11k | $2,084 | $13k | $4,637 | $152k | 8.30% |
| 6 | $31k | $29k | $11k | $18k | $11k | $2,240 | $13k | $5,209 | $150k | 8.56% |
| 7 | $32k | $30k | $11k | $19k | $11k | $2,408 | $13k | $5,799 | $148k | 8.84% |
| 8 | $33k | $31k | $11k | $20k | $11k | $2,589 | $13k | $6,408 | $145k | 9.12% |
| 9 | $34k | $32k | $11k | $20k | $10k | $2,783 | $13k | $7,035 | $142k | 9.41% |
| 10 | $35k | $33k | $12k | $21k | $10k | $2,991 | $13k | $7,683 | $139k | 9.71% |
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.