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 10.73%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.08, 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 | -2.35 pts | 10.73% | +2.14 pts | |
| Purchase price | +2.01 pts | 10.73% | -1.99 pts | |
| Exit cap | +1.43 pts | 10.73% | -1.38 pts | |
| Mortgage rate | +0.80 pts | 10.73% | -0.81 pts | |
| Vacancy | +0.48 pts | 10.73% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $25k | $23k | $8,988 | $14k | $12k | $1,566 | $13k | $1,080 | $160k | 6.64% |
| 2 | $26k | $24k | $9,224 | $15k | $12k | $1,684 | $13k | $1,544 | $159k | 6.86% |
| 3 | $26k | $25k | $9,466 | $15k | $11k | $1,810 | $13k | $2,023 | $157k | 7.08% |
| 4 | $27k | $25k | $9,714 | $16k | $11k | $1,946 | $13k | $2,517 | $155k | 7.31% |
| 5 | $28k | $26k | $9,969 | $16k | $11k | $2,092 | $13k | $3,026 | $153k | 7.54% |
| 6 | $29k | $27k | $10k | $17k | $11k | $2,248 | $13k | $3,551 | $151k | 7.79% |
| 7 | $30k | $28k | $11k | $17k | $11k | $2,417 | $13k | $4,093 | $148k | 8.04% |
| 8 | $31k | $29k | $11k | $18k | $11k | $2,598 | $13k | $4,652 | $145k | 8.30% |
| 9 | $31k | $30k | $11k | $18k | $10k | $2,793 | $13k | $5,229 | $143k | 8.56% |
| 10 | $32k | $30k | $11k | $19k | $10k | $3,002 | $13k | $5,824 | $140k | 8.84% |
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.