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 0.56, 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 |
|---|---|---|---|---|
| Exit cap | +9.79 pts | -25.62% | +18.67 pts | |
| Purchase price | +9.33 pts | -25.62% | +17.81 pts | |
| Gross rent | +17.72 pts | -25.62% | +9.57 pts | |
| Vacancy | +3.06 pts | -25.62% | -4.81 pts | |
| Mortgage rate | +3.18 pts | -25.62% | -4.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $22k | $21k | $9,788 | $11k | $18k | $2,359 | $20k | -$8,761 | $241k | 3.44% |
| 2 | $23k | $22k | $10k | $12k | $17k | $2,536 | $20k | -$8,378 | $239k | 3.56% |
| 3 | $24k | $22k | $10k | $12k | $17k | $2,726 | $20k | -$7,983 | $236k | 3.68% |
| 4 | $24k | $23k | $11k | $12k | $17k | $2,930 | $20k | -$7,575 | $233k | 3.81% |
| 5 | $25k | $24k | $11k | $13k | $17k | $3,150 | $20k | -$7,154 | $230k | 3.94% |
| 6 | $26k | $24k | $11k | $13k | $17k | $3,386 | $20k | -$6,719 | $227k | 4.07% |
| 7 | $27k | $25k | $11k | $14k | $16k | $3,640 | $20k | -$6,270 | $223k | 4.21% |
| 8 | $27k | $26k | $12k | $14k | $16k | $3,913 | $20k | -$5,807 | $219k | 4.35% |
| 9 | $28k | $27k | $12k | $15k | $16k | $4,206 | $20k | -$5,328 | $215k | 4.50% |
| 10 | $29k | $27k | $12k | $15k | $15k | $4,521 | $20k | -$4,834 | $210k | 4.65% |
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.