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 10.42%, 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 | 10.42% | +2.17 pts | |
| Purchase price | +1.87 pts | 10.42% | -1.85 pts | |
| Exit cap | +1.38 pts | 10.42% | -1.33 pts | |
| Mortgage rate | +0.75 pts | 10.42% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.42% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $15k | $14k | $6,049 | $8,130 | $6,496 | $871 | $7,368 | $762 | $89k | 6.77% |
| 2 | $16k | $15k | $6,207 | $8,397 | $6,431 | $936 | $7,368 | $1,029 | $88k | 7.00% |
| 3 | $16k | $15k | $6,370 | $8,672 | $6,361 | $1,007 | $7,368 | $1,305 | $87k | 7.23% |
| 4 | $16k | $15k | $6,537 | $8,956 | $6,286 | $1,082 | $7,368 | $1,589 | $86k | 7.46% |
| 5 | $17k | $16k | $6,709 | $9,249 | $6,204 | $1,163 | $7,368 | $1,882 | $85k | 7.71% |
| 6 | $17k | $16k | $6,885 | $9,552 | $6,117 | $1,250 | $7,368 | $2,185 | $84k | 7.96% |
| 7 | $18k | $17k | $7,066 | $9,864 | $6,023 | $1,344 | $7,368 | $2,497 | $82k | 8.22% |
| 8 | $19k | $17k | $7,251 | $10k | $5,923 | $1,445 | $7,368 | $2,819 | $81k | 8.49% |
| 9 | $19k | $18k | $7,442 | $11k | $5,814 | $1,553 | $7,368 | $3,151 | $79k | 8.77% |
| 10 | $20k | $18k | $7,638 | $11k | $5,698 | $1,669 | $7,368 | $3,494 | $78k | 9.05% |
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.