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 5.64%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.99, 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 | -2.75 pts | 5.64% | +2.42 pts | |
| Purchase price | +1.89 pts | 5.64% | -1.92 pts | |
| Exit cap | +1.55 pts | 5.64% | -1.52 pts | |
| Mortgage rate | +0.77 pts | 5.64% | -0.78 pts | |
| Vacancy | +0.57 pts | 5.64% | -0.58 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $9,719 | $9,136 | $4,529 | $4,607 | $4,109 | $551 | $4,660 | -$53 | $56k | 6.07% |
| 2 | $10k | $9,410 | $4,646 | $4,764 | $4,068 | $592 | $4,660 | $104 | $56k | 6.28% |
| 3 | $10k | $9,692 | $4,768 | $4,925 | $4,023 | $637 | $4,660 | $265 | $55k | 6.49% |
| 4 | $11k | $9,983 | $4,892 | $5,091 | $3,976 | $684 | $4,660 | $431 | $54k | 6.71% |
| 5 | $11k | $10k | $5,019 | $5,263 | $3,924 | $736 | $4,660 | $603 | $54k | 6.93% |
| 6 | $11k | $11k | $5,150 | $5,441 | $3,869 | $791 | $4,660 | $781 | $53k | 7.17% |
| 7 | $12k | $11k | $5,285 | $5,624 | $3,810 | $850 | $4,660 | $964 | $52k | 7.41% |
| 8 | $12k | $11k | $5,423 | $5,813 | $3,746 | $914 | $4,660 | $1,153 | $51k | 7.66% |
| 9 | $12k | $12k | $5,565 | $6,008 | $3,678 | $982 | $4,660 | $1,348 | $50k | 7.92% |
| 10 | $13k | $12k | $5,710 | $6,210 | $3,604 | $1,056 | $4,660 | $1,550 | $49k | 8.18% |
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.