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 11.38%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.13, 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 | -2.33 pts | 11.38% | +2.13 pts | |
| Purchase price | +1.87 pts | 11.38% | -1.85 pts | |
| Exit cap | +1.36 pts | 11.38% | -1.30 pts | |
| Mortgage rate | +0.75 pts | 11.38% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.38% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $17k | $16k | $6,597 | $9,400 | $7,357 | $986 | $8,344 | $1,056 | $101k | 6.92% |
| 2 | $18k | $16k | $6,770 | $9,706 | $7,283 | $1,060 | $8,344 | $1,363 | $100k | 7.14% |
| 3 | $18k | $17k | $6,948 | $10k | $7,204 | $1,140 | $8,344 | $1,679 | $99k | 7.38% |
| 4 | $19k | $17k | $7,130 | $10k | $7,118 | $1,225 | $8,344 | $2,006 | $98k | 7.62% |
| 5 | $19k | $18k | $7,318 | $11k | $7,026 | $1,317 | $8,344 | $2,343 | $96k | 7.86% |
| 6 | $20k | $19k | $7,510 | $11k | $6,928 | $1,416 | $8,344 | $2,691 | $95k | 8.12% |
| 7 | $20k | $19k | $7,708 | $11k | $6,822 | $1,522 | $8,344 | $3,050 | $93k | 8.38% |
| 8 | $21k | $20k | $7,910 | $12k | $6,708 | $1,636 | $8,344 | $3,420 | $92k | 8.66% |
| 9 | $22k | $20k | $8,119 | $12k | $6,585 | $1,759 | $8,344 | $3,801 | $90k | 8.94% |
| 10 | $22k | $21k | $8,333 | $13k | $6,453 | $1,891 | $8,344 | $4,195 | $88k | 9.23% |
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.