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 7.57%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.03, 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 | -2.58 pts | 7.57% | +2.30 pts | |
| Purchase price | +1.87 pts | 7.57% | -1.88 pts | |
| Exit cap | +1.48 pts | 7.57% | -1.44 pts | |
| Mortgage rate | +0.76 pts | 7.57% | -0.77 pts | |
| Vacancy | +0.53 pts | 7.57% | -0.55 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $11k | $4,980 | $5,654 | $4,818 | $646 | $5,464 | $189 | $66k | 6.35% |
| 2 | $12k | $11k | $5,110 | $5,843 | $4,770 | $694 | $5,464 | $379 | $65k | 6.56% |
| 3 | $12k | $11k | $5,244 | $6,038 | $4,718 | $747 | $5,464 | $574 | $65k | 6.78% |
| 4 | $12k | $12k | $5,381 | $6,239 | $4,662 | $802 | $5,464 | $775 | $64k | 7.01% |
| 5 | $13k | $12k | $5,521 | $6,447 | $4,602 | $863 | $5,464 | $983 | $63k | 7.24% |
| 6 | $13k | $12k | $5,666 | $6,662 | $4,537 | $927 | $5,464 | $1,198 | $62k | 7.49% |
| 7 | $14k | $13k | $5,814 | $6,884 | $4,467 | $997 | $5,464 | $1,419 | $61k | 7.73% |
| 8 | $14k | $13k | $5,966 | $7,112 | $4,393 | $1,072 | $5,464 | $1,648 | $60k | 7.99% |
| 9 | $14k | $13k | $6,122 | $7,348 | $4,312 | $1,152 | $5,464 | $1,884 | $59k | 8.26% |
| 10 | $15k | $14k | $6,283 | $7,592 | $4,226 | $1,238 | $5,464 | $2,128 | $58k | 8.53% |
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.