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.
Year-1 DSCR is 0.59, 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 | -15.90 pts | -17.84% | +5.74 pts | |
| Exit cap | +5.79 pts | -17.84% | -13.59 pts | |
| Purchase price | +5.53 pts | -17.84% | -11.28 pts | |
| Mortgage rate | +1.70 pts | -17.84% | -1.84 pts | |
| Vacancy | +1.53 pts | -17.84% | -1.80 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $21k | $20k | $9,337 | $11k | $16k | $2,174 | $18k | -$7,522 | $222k | 3.63% |
| 2 | $22k | $21k | $9,573 | $11k | $16k | $2,337 | $18k | -$7,152 | $220k | 3.75% |
| 3 | $23k | $21k | $9,816 | $12k | $16k | $2,512 | $18k | -$6,770 | $218k | 3.88% |
| 4 | $23k | $22k | $10k | $12k | $16k | $2,700 | $18k | -$6,376 | $215k | 4.01% |
| 5 | $24k | $23k | $10k | $12k | $15k | $2,903 | $18k | -$5,968 | $212k | 4.15% |
| 6 | $25k | $23k | $11k | $13k | $15k | $3,121 | $18k | -$5,548 | $209k | 4.29% |
| 7 | $26k | $24k | $11k | $13k | $15k | $3,354 | $18k | -$5,114 | $206k | 4.43% |
| 8 | $26k | $25k | $11k | $14k | $15k | $3,606 | $18k | -$4,666 | $202k | 4.58% |
| 9 | $27k | $26k | $11k | $14k | $15k | $3,876 | $18k | -$4,204 | $198k | 4.74% |
| 10 | $28k | $26k | $12k | $15k | $14k | $4,167 | $18k | -$3,727 | $194k | 4.90% |
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.