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 0.48, 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 |
|---|---|---|---|---|
| Purchase price | -25.47 pts | -4.54% | -0.54 pts | |
| Exit cap | -23.72 pts | -4.54% | +0.00 pts | |
| Gross rent | -0.94 pts | -4.54% | -16.34 pts | |
| Mortgage rate | +0.54 pts | -4.54% | -0.55 pts | |
| Vacancy | +0.23 pts | -4.54% | -0.23 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $4,002 | $3,762 | $2,908 | $854 | $1,565 | $210 | $1,774 | -$921 | $21k | 2.95% |
| 2 | $4,122 | $3,875 | $2,983 | $892 | $1,549 | $226 | $1,774 | -$883 | $21k | 3.09% |
| 3 | $4,246 | $3,991 | $3,060 | $931 | $1,532 | $242 | $1,774 | -$843 | $21k | 3.22% |
| 4 | $4,373 | $4,111 | $3,139 | $972 | $1,514 | $261 | $1,774 | -$802 | $21k | 3.36% |
| 5 | $4,504 | $4,234 | $3,219 | $1,015 | $1,494 | $280 | $1,774 | -$760 | $20k | 3.51% |
| 6 | $4,639 | $4,361 | $3,302 | $1,059 | $1,473 | $301 | $1,774 | -$716 | $20k | 3.66% |
| 7 | $4,779 | $4,492 | $3,387 | $1,105 | $1,451 | $324 | $1,774 | -$670 | $20k | 3.82% |
| 8 | $4,922 | $4,627 | $3,475 | $1,152 | $1,426 | $348 | $1,774 | -$622 | $19k | 3.99% |
| 9 | $5,070 | $4,765 | $3,564 | $1,201 | $1,400 | $374 | $1,774 | -$573 | $19k | 4.16% |
| 10 | $5,222 | $4,908 | $3,656 | $1,252 | $1,372 | $402 | $1,774 | -$522 | $19k | 4.33% |
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.