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 6.90%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.02, 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 | -2.63 pts | 6.90% | +2.34 pts | |
| Purchase price | +1.87 pts | 6.90% | -1.89 pts | |
| Exit cap | +1.50 pts | 6.90% | -1.47 pts | |
| Mortgage rate | +0.76 pts | 6.90% | -0.77 pts | |
| Vacancy | +0.54 pts | 6.90% | -0.56 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $10k | $4,804 | $5,246 | $4,542 | $609 | $5,151 | $95 | $62k | 6.25% |
| 2 | $11k | $10k | $4,930 | $5,423 | $4,496 | $655 | $5,151 | $272 | $62k | 6.46% |
| 3 | $11k | $11k | $5,058 | $5,605 | $4,447 | $704 | $5,151 | $453 | $61k | 6.68% |
| 4 | $12k | $11k | $5,190 | $5,792 | $4,395 | $757 | $5,151 | $641 | $60k | 6.90% |
| 5 | $12k | $11k | $5,326 | $5,986 | $4,338 | $813 | $5,151 | $835 | $59k | 7.14% |
| 6 | $12k | $12k | $5,465 | $6,186 | $4,277 | $874 | $5,151 | $1,035 | $59k | 7.37% |
| 7 | $13k | $12k | $5,608 | $6,393 | $4,211 | $940 | $5,151 | $1,242 | $58k | 7.62% |
| 8 | $13k | $12k | $5,755 | $6,606 | $4,141 | $1,010 | $5,151 | $1,455 | $57k | 7.87% |
| 9 | $14k | $13k | $5,905 | $6,827 | $4,065 | $1,086 | $5,151 | $1,676 | $55k | 8.14% |
| 10 | $14k | $13k | $6,060 | $7,054 | $3,984 | $1,167 | $5,151 | $1,903 | $54k | 8.41% |
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.