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 12.46%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.15, 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 | -2.28 pts | 12.46% | +2.10 pts | |
| Purchase price | +1.89 pts | 12.46% | -1.86 pts | |
| Exit cap | +1.33 pts | 12.46% | -1.27 pts | |
| Mortgage rate | +0.75 pts | 12.46% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.46% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $20k | $19k | $7,424 | $11k | $8,656 | $1,161 | $9,817 | $1,499 | $119k | 7.08% |
| 2 | $21k | $19k | $7,619 | $12k | $8,569 | $1,248 | $9,817 | $1,866 | $118k | 7.31% |
| 3 | $21k | $20k | $7,820 | $12k | $8,476 | $1,341 | $9,817 | $2,245 | $116k | 7.54% |
| 4 | $22k | $20k | $8,025 | $12k | $8,375 | $1,442 | $9,817 | $2,636 | $115k | 7.79% |
| 5 | $22k | $21k | $8,237 | $13k | $8,267 | $1,550 | $9,817 | $3,039 | $113k | 8.04% |
| 6 | $23k | $22k | $8,454 | $13k | $8,151 | $1,666 | $9,817 | $3,455 | $112k | 8.30% |
| 7 | $24k | $22k | $8,677 | $14k | $8,026 | $1,791 | $9,817 | $3,884 | $110k | 8.57% |
| 8 | $25k | $23k | $8,905 | $14k | $7,892 | $1,925 | $9,817 | $4,326 | $108k | 8.85% |
| 9 | $25k | $24k | $9,140 | $15k | $7,748 | $2,069 | $9,817 | $4,783 | $106k | 9.13% |
| 10 | $26k | $24k | $9,382 | $15k | $7,593 | $2,225 | $9,817 | $5,254 | $104k | 9.43% |
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.