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 16.03%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.24, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.16 pts | 16.03% | +2.02 pts | |
| Purchase price | +1.98 pts | 16.03% | -1.92 pts | |
| Exit cap | +1.25 pts | 16.03% | -1.18 pts | |
| Mortgage rate | +0.77 pts | 16.03% | -0.77 pts | |
| Vacancy | +0.44 pts | 16.03% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $46k | $43k | $15k | $28k | $20k | $2,721 | $23k | $5,471 | $278k | 7.60% |
| 2 | $47k | $45k | $15k | $29k | $20k | $2,925 | $23k | $6,378 | $276k | 7.84% |
| 3 | $49k | $46k | $16k | $30k | $20k | $3,145 | $23k | $7,314 | $272k | 8.09% |
| 4 | $50k | $47k | $16k | $31k | $20k | $3,380 | $23k | $8,279 | $269k | 8.35% |
| 5 | $52k | $49k | $16k | $32k | $19k | $3,634 | $23k | $9,273 | $265k | 8.61% |
| 6 | $53k | $50k | $17k | $33k | $19k | $3,906 | $23k | $10k | $261k | 8.89% |
| 7 | $55k | $52k | $17k | $34k | $19k | $4,199 | $23k | $11k | $257k | 9.17% |
| 8 | $57k | $53k | $18k | $35k | $19k | $4,514 | $23k | $12k | $253k | 9.46% |
| 9 | $58k | $55k | $18k | $37k | $18k | $4,852 | $23k | $14k | $248k | 9.76% |
| 10 | $60k | $57k | $19k | $38k | $18k | $5,216 | $23k | $15k | $243k | 10.07% |
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.