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 11.83%, 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 | -2.31 pts | 11.83% | +2.12 pts | |
| Purchase price | +1.88 pts | 11.83% | -1.86 pts | |
| Exit cap | +1.35 pts | 11.83% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 11.83% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.83% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18k | $17k | $6,911 | $10k | $7,850 | $1,053 | $8,902 | $1,224 | $108k | 6.98% |
| 2 | $19k | $18k | $7,092 | $10k | $7,771 | $1,131 | $8,902 | $1,554 | $107k | 7.21% |
| 3 | $19k | $18k | $7,278 | $11k | $7,686 | $1,216 | $8,902 | $1,894 | $105k | 7.45% |
| 4 | $20k | $19k | $7,470 | $11k | $7,595 | $1,307 | $8,902 | $2,245 | $104k | 7.69% |
| 5 | $20k | $19k | $7,666 | $12k | $7,497 | $1,405 | $8,902 | $2,607 | $103k | 7.94% |
| 6 | $21k | $20k | $7,868 | $12k | $7,392 | $1,511 | $8,902 | $2,980 | $101k | 8.20% |
| 7 | $22k | $20k | $8,075 | $12k | $7,278 | $1,624 | $8,902 | $3,366 | $100k | 8.46% |
| 8 | $22k | $21k | $8,288 | $13k | $7,157 | $1,746 | $8,902 | $3,763 | $98k | 8.74% |
| 9 | $23k | $22k | $8,506 | $13k | $7,026 | $1,877 | $8,902 | $4,174 | $96k | 9.02% |
| 10 | $24k | $22k | $8,731 | $13k | $6,885 | $2,017 | $8,902 | $4,597 | $94k | 9.31% |
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.