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 11.32%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.13, 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 | -2.33 pts | 11.32% | +2.13 pts | |
| Purchase price | +1.87 pts | 11.32% | -1.85 pts | |
| Exit cap | +1.36 pts | 11.32% | -1.31 pts | |
| Mortgage rate | +0.75 pts | 11.32% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.32% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $17k | $16k | $6,562 | $9,320 | $7,303 | $979 | $8,282 | $1,037 | $100k | 6.91% |
| 2 | $17k | $16k | $6,735 | $9,624 | $7,230 | $1,053 | $8,282 | $1,342 | $99k | 7.13% |
| 3 | $18k | $17k | $6,911 | $9,938 | $7,151 | $1,132 | $8,282 | $1,656 | $98k | 7.37% |
| 4 | $18k | $17k | $7,093 | $10k | $7,066 | $1,216 | $8,282 | $1,980 | $97k | 7.61% |
| 5 | $19k | $18k | $7,279 | $11k | $6,975 | $1,308 | $8,282 | $2,314 | $95k | 7.85% |
| 6 | $20k | $18k | $7,471 | $11k | $6,877 | $1,406 | $8,282 | $2,659 | $94k | 8.11% |
| 7 | $20k | $19k | $7,667 | $11k | $6,771 | $1,511 | $8,282 | $3,015 | $93k | 8.37% |
| 8 | $21k | $20k | $7,869 | $12k | $6,658 | $1,624 | $8,282 | $3,382 | $91k | 8.65% |
| 9 | $21k | $20k | $8,076 | $12k | $6,536 | $1,746 | $8,282 | $3,761 | $89k | 8.93% |
| 10 | $22k | $21k | $8,289 | $12k | $6,406 | $1,877 | $8,282 | $4,151 | $87k | 9.22% |
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.