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 7.19%, 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 | -2.61 pts | 7.19% | +2.32 pts | |
| Purchase price | +1.87 pts | 7.19% | -1.88 pts | |
| Exit cap | +1.49 pts | 7.19% | -1.45 pts | |
| Mortgage rate | +0.76 pts | 7.19% | -0.77 pts | |
| Vacancy | +0.54 pts | 7.19% | -0.55 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $10k | $4,877 | $5,414 | $4,656 | $624 | $5,280 | $134 | $64k | 6.30% |
| 2 | $11k | $11k | $5,004 | $5,596 | $4,609 | $671 | $5,280 | $316 | $63k | 6.51% |
| 3 | $12k | $11k | $5,135 | $5,783 | $4,559 | $721 | $5,280 | $503 | $62k | 6.72% |
| 4 | $12k | $11k | $5,269 | $5,976 | $4,505 | $775 | $5,280 | $696 | $62k | 6.95% |
| 5 | $12k | $12k | $5,406 | $6,176 | $4,446 | $834 | $5,280 | $896 | $61k | 7.18% |
| 6 | $13k | $12k | $5,548 | $6,382 | $4,384 | $896 | $5,280 | $1,102 | $60k | 7.42% |
| 7 | $13k | $12k | $5,693 | $6,595 | $4,317 | $963 | $5,280 | $1,315 | $59k | 7.67% |
| 8 | $13k | $13k | $5,842 | $6,815 | $4,245 | $1,035 | $5,280 | $1,535 | $58k | 7.92% |
| 9 | $14k | $13k | $5,995 | $7,041 | $4,167 | $1,113 | $5,280 | $1,761 | $57k | 8.19% |
| 10 | $14k | $13k | $6,152 | $7,275 | $4,084 | $1,196 | $5,280 | $1,995 | $56k | 8.46% |
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.