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 8.79%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.06, 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 |
|---|---|---|---|---|
| Gross rent | -2.48 pts | 8.79% | +2.24 pts | |
| Purchase price | +1.86 pts | 8.79% | -1.86 pts | |
| Exit cap | +1.44 pts | 8.79% | -1.39 pts | |
| Mortgage rate | +0.75 pts | 8.79% | -0.76 pts | |
| Vacancy | +0.51 pts | 8.79% | -0.53 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $13k | $12k | $5,359 | $6,532 | $5,414 | $726 | $6,140 | $393 | $74k | 6.53% |
| 2 | $13k | $12k | $5,499 | $6,749 | $5,359 | $780 | $6,140 | $609 | $73k | 6.75% |
| 3 | $13k | $13k | $5,643 | $6,973 | $5,301 | $839 | $6,140 | $833 | $73k | 6.97% |
| 4 | $14k | $13k | $5,791 | $7,203 | $5,238 | $902 | $6,140 | $1,064 | $72k | 7.20% |
| 5 | $14k | $13k | $5,943 | $7,442 | $5,170 | $969 | $6,140 | $1,302 | $71k | 7.44% |
| 6 | $15k | $14k | $6,098 | $7,687 | $5,098 | $1,042 | $6,140 | $1,548 | $70k | 7.69% |
| 7 | $15k | $14k | $6,258 | $7,941 | $5,020 | $1,120 | $6,140 | $1,802 | $69k | 7.94% |
| 8 | $16k | $15k | $6,422 | $8,203 | $4,936 | $1,204 | $6,140 | $2,063 | $67k | 8.20% |
| 9 | $16k | $15k | $6,591 | $8,473 | $4,845 | $1,294 | $6,140 | $2,334 | $66k | 8.47% |
| 10 | $17k | $16k | $6,764 | $8,752 | $4,748 | $1,391 | $6,140 | $2,613 | $65k | 8.75% |
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.