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 10.99%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.12, 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 | -2.35 pts | 10.99% | +2.15 pts | |
| Purchase price | +1.87 pts | 10.99% | -1.85 pts | |
| Exit cap | +1.37 pts | 10.99% | -1.32 pts | |
| Mortgage rate | +0.75 pts | 10.99% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.99% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $16k | $15k | $6,359 | $8,848 | $6,984 | $936 | $7,920 | $928 | $96k | 6.86% |
| 2 | $17k | $16k | $6,526 | $9,138 | $6,913 | $1,007 | $7,920 | $1,218 | $95k | 7.08% |
| 3 | $17k | $16k | $6,697 | $9,437 | $6,838 | $1,082 | $7,920 | $1,517 | $94k | 7.32% |
| 4 | $18k | $17k | $6,873 | $9,745 | $6,757 | $1,163 | $7,920 | $1,825 | $93k | 7.55% |
| 5 | $18k | $17k | $7,053 | $10k | $6,670 | $1,250 | $7,920 | $2,143 | $91k | 7.80% |
| 6 | $19k | $18k | $7,239 | $10k | $6,576 | $1,344 | $7,920 | $2,471 | $90k | 8.06% |
| 7 | $19k | $18k | $7,429 | $11k | $6,475 | $1,445 | $7,920 | $2,810 | $89k | 8.32% |
| 8 | $20k | $19k | $7,624 | $11k | $6,367 | $1,553 | $7,920 | $3,159 | $87k | 8.59% |
| 9 | $20k | $19k | $7,825 | $11k | $6,251 | $1,670 | $7,920 | $3,519 | $85k | 8.87% |
| 10 | $21k | $20k | $8,031 | $12k | $6,125 | $1,795 | $7,920 | $3,891 | $84k | 9.16% |
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.