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 12.46%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.15, 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 | -2.28 pts | 12.46% | +2.10 pts | |
| Purchase price | +1.89 pts | 12.46% | -1.86 pts | |
| Exit cap | +1.33 pts | 12.46% | -1.27 pts | |
| Mortgage rate | +0.75 pts | 12.46% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.46% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $20k | $19k | $7,428 | $11k | $8,662 | $1,161 | $9,823 | $1,501 | $119k | 7.08% |
| 2 | $21k | $19k | $7,623 | $12k | $8,575 | $1,248 | $9,823 | $1,868 | $118k | 7.31% |
| 3 | $21k | $20k | $7,823 | $12k | $8,481 | $1,342 | $9,823 | $2,248 | $116k | 7.54% |
| 4 | $22k | $20k | $8,029 | $12k | $8,381 | $1,443 | $9,823 | $2,639 | $115k | 7.79% |
| 5 | $22k | $21k | $8,241 | $13k | $8,273 | $1,551 | $9,823 | $3,042 | $113k | 8.04% |
| 6 | $23k | $22k | $8,458 | $13k | $8,156 | $1,667 | $9,823 | $3,458 | $112k | 8.30% |
| 7 | $24k | $22k | $8,681 | $14k | $8,031 | $1,792 | $9,823 | $3,887 | $110k | 8.57% |
| 8 | $25k | $23k | $8,909 | $14k | $7,897 | $1,926 | $9,823 | $4,330 | $108k | 8.85% |
| 9 | $25k | $24k | $9,145 | $15k | $7,753 | $2,071 | $9,823 | $4,787 | $106k | 9.13% |
| 10 | $26k | $24k | $9,386 | $15k | $7,597 | $2,226 | $9,823 | $5,258 | $104k | 9.43% |
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.