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 14.32%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.20, 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 | -2.21 pts | 14.32% | +2.05 pts | |
| Purchase price | +1.93 pts | 14.32% | -1.88 pts | |
| Exit cap | +1.28 pts | 14.32% | -1.22 pts | |
| Mortgage rate | +0.76 pts | 14.32% | -0.76 pts | |
| Vacancy | +0.46 pts | 14.32% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $28k | $27k | $9,806 | $17k | $12k | $1,662 | $14k | $2,776 | $170k | 7.35% |
| 2 | $29k | $27k | $10k | $17k | $12k | $1,787 | $14k | $3,316 | $168k | 7.59% |
| 3 | $30k | $28k | $10k | $18k | $12k | $1,921 | $14k | $3,874 | $166k | 7.83% |
| 4 | $31k | $29k | $11k | $19k | $12k | $2,065 | $14k | $4,449 | $164k | 8.08% |
| 5 | $32k | $30k | $11k | $19k | $12k | $2,220 | $14k | $5,043 | $162k | 8.34% |
| 6 | $33k | $31k | $11k | $20k | $12k | $2,386 | $14k | $5,655 | $160k | 8.61% |
| 7 | $34k | $32k | $11k | $20k | $11k | $2,565 | $14k | $6,286 | $157k | 8.88% |
| 8 | $35k | $33k | $12k | $21k | $11k | $2,757 | $14k | $6,937 | $154k | 9.17% |
| 9 | $36k | $34k | $12k | $22k | $11k | $2,964 | $14k | $7,608 | $151k | 9.46% |
| 10 | $37k | $35k | $12k | $22k | $11k | $3,186 | $14k | $8,300 | $148k | 9.76% |
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.