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 13.28%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.24 pts | 13.28% | +2.07 pts | |
| Purchase price | +1.90 pts | 13.28% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.28% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.28% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.28% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $23k | $22k | $8,272 | $13k | $9,988 | $1,339 | $11k | $1,954 | $137k | 7.20% |
| 2 | $24k | $22k | $8,490 | $14k | $9,888 | $1,440 | $11k | $2,383 | $136k | 7.43% |
| 3 | $24k | $23k | $8,714 | $14k | $9,780 | $1,548 | $11k | $2,825 | $134k | 7.67% |
| 4 | $25k | $24k | $8,943 | $15k | $9,664 | $1,664 | $11k | $3,282 | $132k | 7.92% |
| 5 | $26k | $24k | $9,179 | $15k | $9,539 | $1,788 | $11k | $3,752 | $131k | 8.17% |
| 6 | $27k | $25k | $9,421 | $16k | $9,405 | $1,922 | $11k | $4,238 | $129k | 8.44% |
| 7 | $27k | $26k | $9,670 | $16k | $9,261 | $2,066 | $11k | $4,739 | $127k | 8.71% |
| 8 | $28k | $27k | $9,925 | $17k | $9,106 | $2,221 | $11k | $5,256 | $124k | 8.99% |
| 9 | $29k | $27k | $10k | $17k | $8,940 | $2,388 | $11k | $5,788 | $122k | 9.28% |
| 10 | $30k | $28k | $10k | $18k | $8,761 | $2,567 | $11k | $6,338 | $119k | 9.57% |
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.