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 7.70%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.04, 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 | -2.57 pts | 7.70% | +2.30 pts | |
| Purchase price | +1.86 pts | 7.70% | -1.88 pts | |
| Exit cap | +1.47 pts | 7.70% | -1.43 pts | |
| Mortgage rate | +0.76 pts | 7.70% | -0.77 pts | |
| Vacancy | +0.53 pts | 7.70% | -0.54 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $11k | $5,015 | $5,734 | $4,872 | $653 | $5,526 | $208 | $67k | 6.37% |
| 2 | $12k | $11k | $5,146 | $5,925 | $4,823 | $702 | $5,526 | $400 | $66k | 6.58% |
| 3 | $12k | $11k | $5,280 | $6,123 | $4,771 | $755 | $5,526 | $597 | $65k | 6.80% |
| 4 | $12k | $12k | $5,418 | $6,327 | $4,714 | $812 | $5,526 | $801 | $65k | 7.03% |
| 5 | $13k | $12k | $5,560 | $6,538 | $4,653 | $872 | $5,526 | $1,012 | $64k | 7.26% |
| 6 | $13k | $12k | $5,705 | $6,755 | $4,588 | $938 | $5,526 | $1,230 | $63k | 7.51% |
| 7 | $14k | $13k | $5,854 | $6,980 | $4,518 | $1,008 | $5,526 | $1,454 | $62k | 7.76% |
| 8 | $14k | $13k | $6,008 | $7,211 | $4,442 | $1,084 | $5,526 | $1,686 | $61k | 8.01% |
| 9 | $14k | $14k | $6,165 | $7,451 | $4,361 | $1,165 | $5,526 | $1,925 | $60k | 8.28% |
| 10 | $15k | $14k | $6,327 | $7,697 | $4,274 | $1,252 | $5,526 | $2,172 | $58k | 8.55% |
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.