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 12.79%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.16, 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 | -2.26 pts | 12.79% | +2.09 pts | |
| Purchase price | +1.90 pts | 12.79% | -1.86 pts | |
| Exit cap | +1.32 pts | 12.79% | -1.26 pts | |
| Mortgage rate | +0.75 pts | 12.79% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.79% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $21k | $20k | $7,738 | $12k | $9,149 | $1,227 | $10k | $1,667 | $126k | 7.13% |
| 2 | $22k | $20k | $7,941 | $12k | $9,057 | $1,319 | $10k | $2,057 | $124k | 7.36% |
| 3 | $22k | $21k | $8,150 | $13k | $8,958 | $1,418 | $10k | $2,460 | $123k | 7.60% |
| 4 | $23k | $22k | $8,365 | $13k | $8,852 | $1,524 | $10k | $2,875 | $121k | 7.84% |
| 5 | $24k | $22k | $8,585 | $14k | $8,738 | $1,638 | $10k | $3,303 | $120k | 8.09% |
| 6 | $24k | $23k | $8,812 | $14k | $8,615 | $1,761 | $10k | $3,745 | $118k | 8.36% |
| 7 | $25k | $24k | $9,044 | $15k | $8,483 | $1,893 | $10k | $4,200 | $116k | 8.62% |
| 8 | $26k | $24k | $9,283 | $15k | $8,341 | $2,035 | $10k | $4,670 | $114k | 8.90% |
| 9 | $27k | $25k | $9,528 | $16k | $8,189 | $2,187 | $10k | $5,155 | $112k | 9.19% |
| 10 | $27k | $26k | $9,779 | $16k | $8,025 | $2,351 | $10k | $5,655 | $109k | 9.49% |
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.