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 11.86%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.31 pts | 11.86% | +2.11 pts | |
| Purchase price | +1.88 pts | 11.86% | -1.86 pts | |
| Exit cap | +1.34 pts | 11.86% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 11.86% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.86% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18k | $17k | $6,937 | $10k | $7,890 | $1,058 | $8,948 | $1,238 | $108k | 6.99% |
| 2 | $19k | $18k | $7,119 | $11k | $7,811 | $1,137 | $8,948 | $1,569 | $107k | 7.22% |
| 3 | $19k | $18k | $7,306 | $11k | $7,726 | $1,223 | $8,948 | $1,912 | $106k | 7.45% |
| 4 | $20k | $19k | $7,498 | $11k | $7,634 | $1,314 | $8,948 | $2,265 | $105k | 7.69% |
| 5 | $21k | $19k | $7,695 | $12k | $7,536 | $1,413 | $8,948 | $2,629 | $103k | 7.94% |
| 6 | $21k | $20k | $7,897 | $12k | $7,430 | $1,519 | $8,948 | $3,004 | $102k | 8.20% |
| 7 | $22k | $20k | $8,105 | $12k | $7,316 | $1,632 | $8,948 | $3,392 | $100k | 8.47% |
| 8 | $22k | $21k | $8,319 | $13k | $7,194 | $1,755 | $8,948 | $3,792 | $98k | 8.74% |
| 9 | $23k | $22k | $8,538 | $13k | $7,062 | $1,886 | $8,948 | $4,204 | $96k | 9.02% |
| 10 | $24k | $22k | $8,763 | $14k | $6,921 | $2,028 | $8,948 | $4,630 | $94k | 9.32% |
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.