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 12.01%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.30 pts | 12.01% | +2.11 pts | |
| Purchase price | +1.88 pts | 12.01% | -1.86 pts | |
| Exit cap | +1.34 pts | 12.01% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 12.01% | -0.76 pts | |
| Vacancy | +0.48 pts | 12.01% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $17k | $7,049 | $10k | $8,066 | $1,082 | $9,148 | $1,298 | $111k | 7.01% |
| 2 | $19k | $18k | $7,234 | $11k | $7,985 | $1,163 | $9,148 | $1,638 | $110k | 7.24% |
| 3 | $20k | $19k | $7,424 | $11k | $7,898 | $1,250 | $9,148 | $1,988 | $108k | 7.47% |
| 4 | $20k | $19k | $7,619 | $11k | $7,804 | $1,343 | $9,148 | $2,350 | $107k | 7.72% |
| 5 | $21k | $20k | $7,819 | $12k | $7,704 | $1,444 | $9,148 | $2,723 | $105k | 7.97% |
| 6 | $22k | $20k | $8,025 | $12k | $7,596 | $1,552 | $9,148 | $3,108 | $104k | 8.23% |
| 7 | $22k | $21k | $8,236 | $13k | $7,479 | $1,669 | $9,148 | $3,505 | $102k | 8.49% |
| 8 | $23k | $22k | $8,453 | $13k | $7,354 | $1,794 | $9,148 | $3,914 | $100k | 8.77% |
| 9 | $24k | $22k | $8,676 | $13k | $7,220 | $1,928 | $9,148 | $4,337 | $99k | 9.05% |
| 10 | $24k | $23k | $8,905 | $14k | $7,075 | $2,073 | $9,148 | $4,773 | $96k | 9.34% |
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.