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 12.14%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.15, 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 | -2.29 pts | 12.14% | +2.11 pts | |
| Purchase price | +1.88 pts | 12.14% | -1.86 pts | |
| Exit cap | +1.34 pts | 12.14% | -1.28 pts | |
| Mortgage rate | +0.75 pts | 12.14% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.14% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $18k | $7,152 | $11k | $8,229 | $1,103 | $9,332 | $1,353 | $113k | 7.03% |
| 2 | $20k | $18k | $7,340 | $11k | $8,146 | $1,186 | $9,332 | $1,701 | $112k | 7.26% |
| 3 | $20k | $19k | $7,533 | $11k | $8,057 | $1,275 | $9,332 | $2,059 | $110k | 7.49% |
| 4 | $21k | $19k | $7,731 | $12k | $7,962 | $1,371 | $9,332 | $2,429 | $109k | 7.74% |
| 5 | $21k | $20k | $7,934 | $12k | $7,859 | $1,473 | $9,332 | $2,810 | $108k | 7.99% |
| 6 | $22k | $21k | $8,143 | $13k | $7,748 | $1,584 | $9,332 | $3,203 | $106k | 8.25% |
| 7 | $23k | $21k | $8,358 | $13k | $7,630 | $1,702 | $9,332 | $3,609 | $104k | 8.51% |
| 8 | $23k | $22k | $8,578 | $13k | $7,502 | $1,830 | $9,332 | $4,028 | $102k | 8.79% |
| 9 | $24k | $23k | $8,804 | $14k | $7,365 | $1,967 | $9,332 | $4,460 | $101k | 9.07% |
| 10 | $25k | $23k | $9,036 | $14k | $7,218 | $2,115 | $9,332 | $4,905 | $98k | 9.37% |
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.