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 9.21%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.07, 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 | -2.46 pts | 9.21% | +2.22 pts | |
| Purchase price | +1.86 pts | 9.21% | -1.86 pts | |
| Exit cap | +1.42 pts | 9.21% | -1.38 pts | |
| Mortgage rate | +0.75 pts | 9.21% | -0.76 pts | |
| Vacancy | +0.51 pts | 9.21% | -0.52 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $13k | $12k | $5,514 | $6,892 | $5,657 | $759 | $6,416 | $476 | $78k | 6.59% |
| 2 | $14k | $13k | $5,659 | $7,120 | $5,600 | $815 | $6,416 | $704 | $77k | 6.81% |
| 3 | $14k | $13k | $5,807 | $7,355 | $5,539 | $877 | $6,416 | $939 | $76k | 7.04% |
| 4 | $14k | $14k | $5,959 | $7,598 | $5,474 | $942 | $6,416 | $1,182 | $75k | 7.27% |
| 5 | $15k | $14k | $6,115 | $7,848 | $5,403 | $1,013 | $6,416 | $1,433 | $74k | 7.51% |
| 6 | $15k | $14k | $6,275 | $8,107 | $5,327 | $1,089 | $6,416 | $1,691 | $73k | 7.76% |
| 7 | $16k | $15k | $6,440 | $8,374 | $5,245 | $1,170 | $6,416 | $1,958 | $72k | 8.01% |
| 8 | $16k | $15k | $6,609 | $8,649 | $5,158 | $1,258 | $6,416 | $2,233 | $70k | 8.28% |
| 9 | $17k | $16k | $6,782 | $8,934 | $5,063 | $1,352 | $6,416 | $2,518 | $69k | 8.55% |
| 10 | $17k | $16k | $6,960 | $9,227 | $4,962 | $1,454 | $6,416 | $2,811 | $68k | 8.83% |
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.