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 15.45%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.22, 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 | -2.17 pts | 15.45% | +2.02 pts | |
| Purchase price | +1.96 pts | 15.45% | -1.90 pts | |
| Exit cap | +1.26 pts | 15.45% | -1.20 pts | |
| Mortgage rate | +0.76 pts | 15.45% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.45% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $38k | $36k | $13k | $23k | $17k | $2,243 | $19k | $4,254 | $230k | 7.52% |
| 2 | $39k | $37k | $13k | $24k | $17k | $2,411 | $19k | $4,995 | $227k | 7.76% |
| 3 | $40k | $38k | $13k | $25k | $16k | $2,592 | $19k | $5,760 | $225k | 8.00% |
| 4 | $42k | $39k | $14k | $26k | $16k | $2,786 | $19k | $6,549 | $222k | 8.26% |
| 5 | $43k | $40k | $14k | $26k | $16k | $2,995 | $19k | $7,363 | $219k | 8.52% |
| 6 | $44k | $41k | $14k | $27k | $16k | $3,220 | $19k | $8,201 | $216k | 8.79% |
| 7 | $45k | $43k | $15k | $28k | $16k | $3,461 | $19k | $9,066 | $212k | 9.07% |
| 8 | $47k | $44k | $15k | $29k | $15k | $3,720 | $19k | $9,959 | $208k | 9.36% |
| 9 | $48k | $45k | $15k | $30k | $15k | $3,999 | $19k | $11k | $204k | 9.66% |
| 10 | $50k | $47k | $16k | $31k | $15k | $4,299 | $19k | $12k | $200k | 9.97% |
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.