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 15.99%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.24, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.16 pts | 15.99% | +2.02 pts | |
| Purchase price | +1.98 pts | 15.99% | -1.92 pts | |
| Exit cap | +1.25 pts | 15.99% | -1.18 pts | |
| Mortgage rate | +0.77 pts | 15.99% | -0.77 pts | |
| Vacancy | +0.44 pts | 15.99% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $45k | $43k | $15k | $28k | $20k | $2,686 | $23k | $5,380 | $275k | 7.59% |
| 2 | $47k | $44k | $15k | $29k | $20k | $2,887 | $23k | $6,275 | $272k | 7.84% |
| 3 | $48k | $45k | $15k | $30k | $20k | $3,104 | $23k | $7,198 | $269k | 8.09% |
| 4 | $50k | $47k | $16k | $31k | $19k | $3,336 | $23k | $8,150 | $265k | 8.34% |
| 5 | $51k | $48k | $16k | $32k | $19k | $3,586 | $23k | $9,131 | $262k | 8.61% |
| 6 | $53k | $50k | $17k | $33k | $19k | $3,855 | $23k | $10k | $258k | 8.88% |
| 7 | $54k | $51k | $17k | $34k | $19k | $4,144 | $23k | $11k | $254k | 9.16% |
| 8 | $56k | $53k | $18k | $35k | $18k | $4,455 | $23k | $12k | $249k | 9.45% |
| 9 | $58k | $54k | $18k | $36k | $18k | $4,789 | $23k | $13k | $245k | 9.75% |
| 10 | $59k | $56k | $19k | $37k | $18k | $5,148 | $23k | $15k | $240k | 10.06% |
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.