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 -1.88%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.83, 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 | -3.92 pts | -1.88% | +3.16 pts | |
| Purchase price | +2.18 pts | -1.88% | -2.33 pts | |
| Exit cap | +1.98 pts | -1.88% | -2.04 pts | |
| Mortgage rate | +0.89 pts | -1.88% | -0.91 pts | |
| Vacancy | +0.78 pts | -1.88% | -0.82 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $6,556 | $6,163 | $3,632 | $2,531 | $2,701 | $362 | $3,064 | -$533 | $37k | 5.07% |
| 2 | $6,753 | $6,348 | $3,726 | $2,622 | $2,674 | $389 | $3,064 | -$442 | $37k | 5.25% |
| 3 | $6,956 | $6,538 | $3,823 | $2,716 | $2,645 | $419 | $3,064 | -$348 | $36k | 5.44% |
| 4 | $7,164 | $6,735 | $3,922 | $2,813 | $2,614 | $450 | $3,064 | -$251 | $36k | 5.64% |
| 5 | $7,379 | $6,937 | $4,024 | $2,913 | $2,580 | $484 | $3,064 | -$151 | $35k | 5.84% |
| 6 | $7,601 | $7,145 | $4,128 | $3,017 | $2,544 | $520 | $3,064 | -$47 | $35k | 6.05% |
| 7 | $7,829 | $7,359 | $4,235 | $3,124 | $2,505 | $559 | $3,064 | $60 | $34k | 6.26% |
| 8 | $8,064 | $7,580 | $4,345 | $3,235 | $2,463 | $601 | $3,064 | $171 | $34k | 6.48% |
| 9 | $8,306 | $7,807 | $4,458 | $3,349 | $2,418 | $646 | $3,064 | $285 | $33k | 6.71% |
| 10 | $8,555 | $8,041 | $4,574 | $3,467 | $2,369 | $694 | $3,064 | $404 | $32k | 6.95% |
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.