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 13.68%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.18, 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 | -2.23 pts | 13.68% | +2.06 pts | |
| Purchase price | +1.91 pts | 13.68% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.68% | -1.24 pts | |
| Mortgage rate | +0.75 pts | 13.68% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.68% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $25k | $23k | $8,789 | $14k | $11k | $1,448 | $12k | $2,231 | $148k | 7.26% |
| 2 | $25k | $24k | $9,021 | $15k | $11k | $1,557 | $12k | $2,697 | $147k | 7.49% |
| 3 | $26k | $25k | $9,259 | $15k | $11k | $1,673 | $12k | $3,179 | $145k | 7.73% |
| 4 | $27k | $25k | $9,503 | $16k | $10k | $1,799 | $12k | $3,675 | $143k | 7.98% |
| 5 | $28k | $26k | $9,753 | $16k | $10k | $1,934 | $12k | $4,187 | $141k | 8.24% |
| 6 | $29k | $27k | $10k | $17k | $10k | $2,079 | $12k | $4,715 | $139k | 8.50% |
| 7 | $30k | $28k | $10k | $18k | $10k | $2,234 | $12k | $5,260 | $137k | 8.78% |
| 8 | $30k | $29k | $11k | $18k | $9,847 | $2,402 | $12k | $5,822 | $134k | 9.06% |
| 9 | $31k | $29k | $11k | $19k | $9,667 | $2,582 | $12k | $6,402 | $132k | 9.35% |
| 10 | $32k | $30k | $11k | $19k | $9,473 | $2,775 | $12k | $6,999 | $129k | 9.65% |
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.