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 15.91%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.24, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.16 pts | 15.91% | +2.02 pts | |
| Purchase price | +1.97 pts | 15.91% | -1.91 pts | |
| Exit cap | +1.25 pts | 15.91% | -1.18 pts | |
| Mortgage rate | +0.77 pts | 15.91% | -0.77 pts | |
| Vacancy | +0.44 pts | 15.91% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $44k | $42k | $14k | $27k | $19k | $2,612 | $22k | $5,194 | $267k | 7.58% |
| 2 | $46k | $43k | $15k | $28k | $19k | $2,808 | $22k | $6,063 | $265k | 7.82% |
| 3 | $47k | $44k | $15k | $29k | $19k | $3,019 | $22k | $6,960 | $261k | 8.07% |
| 4 | $48k | $45k | $15k | $30k | $19k | $3,245 | $22k | $7,885 | $258k | 8.33% |
| 5 | $50k | $47k | $16k | $31k | $19k | $3,488 | $22k | $8,838 | $255k | 8.60% |
| 6 | $51k | $48k | $16k | $32k | $18k | $3,750 | $22k | $9,822 | $251k | 8.87% |
| 7 | $53k | $50k | $17k | $33k | $18k | $4,031 | $22k | $11k | $247k | 9.15% |
| 8 | $54k | $51k | $17k | $34k | $18k | $4,333 | $22k | $12k | $243k | 9.44% |
| 9 | $56k | $53k | $18k | $35k | $17k | $4,658 | $22k | $13k | $238k | 9.74% |
| 10 | $58k | $54k | $18k | $36k | $17k | $5,007 | $22k | $14k | $233k | 10.05% |
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.