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 12.54%, 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 | -2.27 pts | 12.54% | +2.09 pts | |
| Purchase price | +1.89 pts | 12.54% | -1.86 pts | |
| Exit cap | +1.33 pts | 12.54% | -1.27 pts | |
| Mortgage rate | +0.75 pts | 12.54% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.54% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $20k | $19k | $7,497 | $11k | $8,770 | $1,176 | $9,946 | $1,538 | $120k | 7.09% |
| 2 | $21k | $20k | $7,694 | $12k | $8,682 | $1,264 | $9,946 | $1,910 | $119k | 7.32% |
| 3 | $21k | $20k | $7,896 | $12k | $8,587 | $1,359 | $9,946 | $2,295 | $118k | 7.56% |
| 4 | $22k | $21k | $8,104 | $13k | $8,485 | $1,461 | $9,946 | $2,691 | $116k | 7.80% |
| 5 | $23k | $21k | $8,317 | $13k | $8,376 | $1,570 | $9,946 | $3,100 | $115k | 8.05% |
| 6 | $23k | $22k | $8,536 | $13k | $8,258 | $1,688 | $9,946 | $3,522 | $113k | 8.31% |
| 7 | $24k | $23k | $8,761 | $14k | $8,132 | $1,814 | $9,946 | $3,957 | $111k | 8.58% |
| 8 | $25k | $23k | $8,992 | $14k | $7,996 | $1,950 | $9,946 | $4,406 | $109k | 8.86% |
| 9 | $26k | $24k | $9,230 | $15k | $7,850 | $2,097 | $9,946 | $4,869 | $107k | 9.14% |
| 10 | $26k | $25k | $9,474 | $15k | $7,692 | $2,254 | $9,946 | $5,346 | $105k | 9.44% |
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.