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 7.28%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.97, 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 | -2.54 pts | 7.28% | +2.28 pts | |
| Purchase price | +2.22 pts | 7.28% | -2.24 pts | |
| Exit cap | +1.65 pts | 7.28% | -1.63 pts | |
| Mortgage rate | +0.90 pts | 7.28% | -0.92 pts | |
| Vacancy | +0.51 pts | 7.28% | -0.52 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $35k | $33k | $13k | $21k | $19k | $2,533 | $21k | -$626 | $259k | 5.96% |
| 2 | $37k | $34k | $13k | $21k | $19k | $2,723 | $21k | $48 | $256k | 6.15% |
| 3 | $38k | $35k | $13k | $22k | $18k | $2,927 | $21k | $742 | $254k | 6.35% |
| 4 | $39k | $36k | $14k | $23k | $18k | $3,147 | $21k | $1,459 | $250k | 6.56% |
| 5 | $40k | $38k | $14k | $24k | $18k | $3,383 | $21k | $2,199 | $247k | 6.77% |
| 6 | $41k | $39k | $14k | $24k | $18k | $3,636 | $21k | $2,961 | $243k | 6.99% |
| 7 | $42k | $40k | $15k | $25k | $18k | $3,909 | $21k | $3,748 | $239k | 7.21% |
| 8 | $44k | $41k | $15k | $26k | $17k | $4,202 | $21k | $4,559 | $235k | 7.45% |
| 9 | $45k | $42k | $15k | $27k | $17k | $4,517 | $21k | $5,396 | $231k | 7.69% |
| 10 | $46k | $44k | $16k | $28k | $17k | $4,855 | $21k | $6,260 | $226k | 7.93% |
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.