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 0.66, 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 | -4.93 pts | -9.83% | +2.05 pts | |
| Purchase price | +1.85 pts | -9.83% | -4.13 pts | |
| Exit cap | +1.42 pts | -9.83% | -4.36 pts | |
| Vacancy | +0.86 pts | -9.83% | -0.92 pts | |
| Mortgage rate | -0.95 pts | -9.83% | -1.08 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $21k | $20k | $9,017 | $11k | $15k | $1,989 | $17k | -$5,756 | $204k | 4.04% |
| 2 | $22k | $21k | $9,247 | $11k | $15k | $2,138 | $17k | -$5,383 | $201k | 4.17% |
| 3 | $23k | $21k | $9,482 | $12k | $15k | $2,298 | $17k | -$4,998 | $199k | 4.32% |
| 4 | $23k | $22k | $9,724 | $12k | $14k | $2,471 | $17k | -$4,601 | $197k | 4.46% |
| 5 | $24k | $23k | $9,972 | $13k | $14k | $2,656 | $17k | -$4,191 | $194k | 4.61% |
| 6 | $25k | $23k | $10k | $13k | $14k | $2,855 | $17k | -$3,767 | $191k | 4.76% |
| 7 | $26k | $24k | $10k | $13k | $14k | $3,069 | $17k | -$3,330 | $188k | 4.92% |
| 8 | $26k | $25k | $11k | $14k | $14k | $3,299 | $17k | -$2,879 | $185k | 5.09% |
| 9 | $27k | $25k | $11k | $14k | $13k | $3,546 | $17k | -$2,413 | $181k | 5.26% |
| 10 | $28k | $26k | $11k | $15k | $13k | $3,812 | $17k | -$1,933 | $177k | 5.43% |
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.