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 -2.08%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.82, 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 | -3.96 pts | -2.08% | +3.18 pts | |
| Purchase price | +2.19 pts | -2.08% | -2.35 pts | |
| Exit cap | +2.00 pts | -2.08% | -2.06 pts | |
| Mortgage rate | +0.90 pts | -2.08% | -0.92 pts | |
| Vacancy | +0.79 pts | -2.08% | -0.83 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $6,508 | $6,117 | $3,618 | $2,499 | $2,680 | $359 | $3,039 | -$540 | $37k | 5.05% |
| 2 | $6,703 | $6,301 | $3,712 | $2,589 | $2,653 | $386 | $3,039 | -$450 | $36k | 5.23% |
| 3 | $6,904 | $6,490 | $3,808 | $2,682 | $2,624 | $415 | $3,039 | -$358 | $36k | 5.42% |
| 4 | $7,111 | $6,685 | $3,907 | $2,778 | $2,593 | $446 | $3,039 | -$262 | $36k | 5.61% |
| 5 | $7,325 | $6,885 | $4,008 | $2,877 | $2,559 | $480 | $3,039 | -$162 | $35k | 5.81% |
| 6 | $7,544 | $7,092 | $4,112 | $2,979 | $2,523 | $516 | $3,039 | -$60 | $35k | 6.02% |
| 7 | $7,771 | $7,304 | $4,219 | $3,085 | $2,485 | $554 | $3,039 | $46 | $34k | 6.23% |
| 8 | $8,004 | $7,524 | $4,329 | $3,195 | $2,443 | $596 | $3,039 | $156 | $33k | 6.45% |
| 9 | $8,244 | $7,749 | $4,441 | $3,308 | $2,398 | $641 | $3,039 | $269 | $33k | 6.68% |
| 10 | $8,491 | $7,982 | $4,556 | $3,425 | $2,350 | $689 | $3,039 | $386 | $32k | 6.92% |
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.