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 12.05%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.30 pts | 12.05% | +2.11 pts | |
| Purchase price | +1.88 pts | 12.05% | -1.86 pts | |
| Exit cap | +1.34 pts | 12.05% | -1.28 pts | |
| Mortgage rate | +0.75 pts | 12.05% | -0.76 pts | |
| Vacancy | +0.48 pts | 12.05% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $18k | $7,080 | $11k | $8,115 | $1,088 | $9,203 | $1,315 | $111k | 7.02% |
| 2 | $19k | $18k | $7,265 | $11k | $8,034 | $1,170 | $9,203 | $1,657 | $110k | 7.24% |
| 3 | $20k | $19k | $7,456 | $11k | $7,946 | $1,257 | $9,203 | $2,009 | $109k | 7.48% |
| 4 | $20k | $19k | $7,652 | $12k | $7,852 | $1,352 | $9,203 | $2,373 | $108k | 7.72% |
| 5 | $21k | $20k | $7,854 | $12k | $7,750 | $1,453 | $9,203 | $2,749 | $106k | 7.97% |
| 6 | $22k | $20k | $8,060 | $12k | $7,641 | $1,562 | $9,203 | $3,136 | $105k | 8.23% |
| 7 | $22k | $21k | $8,273 | $13k | $7,524 | $1,679 | $9,203 | $3,536 | $103k | 8.50% |
| 8 | $23k | $22k | $8,491 | $13k | $7,398 | $1,805 | $9,203 | $3,948 | $101k | 8.77% |
| 9 | $24k | $22k | $8,715 | $14k | $7,263 | $1,940 | $9,203 | $4,374 | $99k | 9.06% |
| 10 | $24k | $23k | $8,945 | $14k | $7,118 | $2,085 | $9,203 | $4,813 | $97k | 9.35% |
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.