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 11.05%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.12, 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 | -2.35 pts | 11.05% | +2.14 pts | |
| Purchase price | +1.87 pts | 11.05% | -1.85 pts | |
| Exit cap | +1.37 pts | 11.05% | -1.31 pts | |
| Mortgage rate | +0.75 pts | 11.05% | -0.76 pts | |
| Vacancy | +0.49 pts | 11.05% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $16k | $15k | $6,394 | $8,928 | $7,038 | $944 | $7,981 | $947 | $97k | 6.87% |
| 2 | $17k | $16k | $6,561 | $9,220 | $6,967 | $1,014 | $7,981 | $1,239 | $96k | 7.09% |
| 3 | $17k | $16k | $6,733 | $9,522 | $6,891 | $1,090 | $7,981 | $1,540 | $94k | 7.32% |
| 4 | $18k | $17k | $6,910 | $9,833 | $6,809 | $1,172 | $7,981 | $1,851 | $93k | 7.56% |
| 5 | $18k | $17k | $7,092 | $10k | $6,721 | $1,260 | $7,981 | $2,172 | $92k | 7.81% |
| 6 | $19k | $18k | $7,278 | $10k | $6,627 | $1,354 | $7,981 | $2,503 | $91k | 8.06% |
| 7 | $19k | $18k | $7,469 | $11k | $6,525 | $1,456 | $7,981 | $2,844 | $89k | 8.33% |
| 8 | $20k | $19k | $7,666 | $11k | $6,416 | $1,565 | $7,981 | $3,197 | $88k | 8.60% |
| 9 | $21k | $19k | $7,868 | $12k | $6,299 | $1,682 | $7,981 | $3,560 | $86k | 8.88% |
| 10 | $21k | $20k | $8,075 | $12k | $6,173 | $1,809 | $7,981 | $3,935 | $84k | 9.17% |
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.