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.
Year-1 DSCR is 0.67, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -4.35 pts | -8.39% | +2.10 pts | |
| Purchase price | +1.99 pts | -8.39% | -3.75 pts | |
| Exit cap | +1.54 pts | -8.39% | -3.89 pts | |
| Mortgage rate | -0.57 pts | -8.39% | -1.03 pts | |
| Vacancy | -1.25 pts | -8.39% | -0.83 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $27k | $25k | $11k | $14k | $19k | $2,533 | $21k | -$6,977 | $259k | 4.14% |
| 2 | $28k | $26k | $11k | $15k | $19k | $2,723 | $21k | -$6,494 | $256k | 4.28% |
| 3 | $29k | $27k | $12k | $15k | $18k | $2,927 | $21k | -$5,995 | $254k | 4.42% |
| 4 | $30k | $28k | $12k | $16k | $18k | $3,147 | $21k | -$5,480 | $250k | 4.57% |
| 5 | $30k | $29k | $12k | $16k | $18k | $3,383 | $21k | -$4,949 | $247k | 4.72% |
| 6 | $31k | $29k | $12k | $17k | $18k | $3,636 | $21k | -$4,401 | $243k | 4.88% |
| 7 | $32k | $30k | $13k | $18k | $18k | $3,909 | $21k | -$3,835 | $239k | 5.04% |
| 8 | $33k | $31k | $13k | $18k | $17k | $4,202 | $21k | -$3,251 | $235k | 5.21% |
| 9 | $34k | $32k | $13k | $19k | $17k | $4,517 | $21k | -$2,648 | $231k | 5.38% |
| 10 | $35k | $33k | $14k | $19k | $17k | $4,855 | $21k | -$2,027 | $226k | 5.56% |
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.