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 10.36%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.10, 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 | -2.38 pts | 10.36% | +2.17 pts | |
| Purchase price | +1.87 pts | 10.36% | -1.85 pts | |
| Exit cap | +1.39 pts | 10.36% | -1.34 pts | |
| Mortgage rate | +0.75 pts | 10.36% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.36% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $15k | $14k | $6,014 | $8,050 | $6,442 | $864 | $7,306 | $744 | $88k | 6.76% |
| 2 | $15k | $14k | $6,172 | $8,314 | $6,378 | $929 | $7,306 | $1,008 | $87k | 6.99% |
| 3 | $16k | $15k | $6,334 | $8,587 | $6,308 | $998 | $7,306 | $1,281 | $86k | 7.22% |
| 4 | $16k | $15k | $6,500 | $8,869 | $6,233 | $1,073 | $7,306 | $1,562 | $85k | 7.45% |
| 5 | $17k | $16k | $6,670 | $9,159 | $6,153 | $1,153 | $7,306 | $1,853 | $84k | 7.70% |
| 6 | $17k | $16k | $6,845 | $9,459 | $6,066 | $1,240 | $7,306 | $2,153 | $83k | 7.95% |
| 7 | $18k | $17k | $7,025 | $9,768 | $5,973 | $1,333 | $7,306 | $2,462 | $82k | 8.21% |
| 8 | $18k | $17k | $7,210 | $10k | $5,873 | $1,433 | $7,306 | $2,781 | $80k | 8.48% |
| 9 | $19k | $18k | $7,399 | $10k | $5,766 | $1,540 | $7,306 | $3,111 | $79k | 8.75% |
| 10 | $20k | $18k | $7,594 | $11k | $5,651 | $1,656 | $7,306 | $3,450 | $77k | 9.04% |
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.