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 10.87%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.11, 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 | -2.36 pts | 10.87% | +2.15 pts | |
| Purchase price | +1.87 pts | 10.87% | -1.85 pts | |
| Exit cap | +1.37 pts | 10.87% | -1.32 pts | |
| Mortgage rate | +0.75 pts | 10.87% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.87% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $16k | $15k | $6,287 | $8,681 | $6,870 | $921 | $7,791 | $890 | $94k | 6.84% |
| 2 | $16k | $15k | $6,451 | $8,965 | $6,801 | $990 | $7,791 | $1,174 | $93k | 7.06% |
| 3 | $17k | $16k | $6,621 | $9,258 | $6,727 | $1,064 | $7,791 | $1,467 | $92k | 7.30% |
| 4 | $17k | $16k | $6,794 | $9,561 | $6,647 | $1,144 | $7,791 | $1,770 | $91k | 7.53% |
| 5 | $18k | $17k | $6,973 | $9,873 | $6,561 | $1,230 | $7,791 | $2,082 | $90k | 7.78% |
| 6 | $18k | $17k | $7,156 | $10k | $6,469 | $1,322 | $7,791 | $2,404 | $89k | 8.03% |
| 7 | $19k | $18k | $7,344 | $11k | $6,370 | $1,421 | $7,791 | $2,737 | $87k | 8.30% |
| 8 | $20k | $18k | $7,537 | $11k | $6,263 | $1,528 | $7,791 | $3,080 | $86k | 8.57% |
| 9 | $20k | $19k | $7,736 | $11k | $6,149 | $1,642 | $7,791 | $3,434 | $84k | 8.85% |
| 10 | $21k | $20k | $7,939 | $12k | $6,026 | $1,765 | $7,791 | $3,799 | $82k | 9.13% |
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.