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 -4.77%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.77, 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 | -4.70 pts | -4.77% | +3.59 pts | |
| Purchase price | +2.40 pts | -4.77% | -2.64 pts | |
| Exit cap | +2.23 pts | -4.77% | -2.36 pts | |
| Mortgage rate | +0.97 pts | -4.77% | -1.00 pts | |
| Vacancy | +0.91 pts | -4.77% | -0.96 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $5,948 | $5,591 | $3,460 | $2,131 | $2,431 | $326 | $2,757 | -$625 | $33k | 4.75% |
| 2 | $6,127 | $5,759 | $3,549 | $2,210 | $2,406 | $350 | $2,757 | -$547 | $33k | 4.92% |
| 3 | $6,311 | $5,932 | $3,641 | $2,291 | $2,380 | $377 | $2,757 | -$466 | $33k | 5.10% |
| 4 | $6,500 | $6,110 | $3,735 | $2,374 | $2,352 | $405 | $2,757 | -$382 | $32k | 5.29% |
| 5 | $6,695 | $6,293 | $3,832 | $2,461 | $2,321 | $435 | $2,757 | -$296 | $32k | 5.48% |
| 6 | $6,896 | $6,482 | $3,931 | $2,550 | $2,289 | $468 | $2,757 | -$206 | $31k | 5.68% |
| 7 | $7,103 | $6,676 | $4,033 | $2,643 | $2,254 | $503 | $2,757 | -$114 | $31k | 5.89% |
| 8 | $7,316 | $6,877 | $4,138 | $2,739 | $2,216 | $541 | $2,757 | -$18 | $30k | 6.10% |
| 9 | $7,535 | $7,083 | $4,245 | $2,838 | $2,176 | $581 | $2,757 | $81 | $30k | 6.32% |
| 10 | $7,761 | $7,295 | $4,355 | $2,940 | $2,132 | $625 | $2,757 | $183 | $29k | 6.55% |
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.