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 12.36%, 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 | -2.28 pts | 12.36% | +2.10 pts | |
| Purchase price | +1.89 pts | 12.36% | -1.86 pts | |
| Exit cap | +1.33 pts | 12.36% | -1.27 pts | |
| Mortgage rate | +0.75 pts | 12.36% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.36% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $20k | $18k | $7,342 | $11k | $8,527 | $1,143 | $9,670 | $1,455 | $117k | 7.06% |
| 2 | $20k | $19k | $7,534 | $11k | $8,441 | $1,229 | $9,670 | $1,816 | $116k | 7.29% |
| 3 | $21k | $20k | $7,733 | $12k | $8,349 | $1,321 | $9,670 | $2,189 | $114k | 7.53% |
| 4 | $21k | $20k | $7,936 | $12k | $8,250 | $1,420 | $9,670 | $2,573 | $113k | 7.77% |
| 5 | $22k | $21k | $8,145 | $13k | $8,143 | $1,527 | $9,670 | $2,969 | $111k | 8.02% |
| 6 | $23k | $21k | $8,359 | $13k | $8,029 | $1,641 | $9,670 | $3,378 | $110k | 8.28% |
| 7 | $23k | $22k | $8,580 | $13k | $7,906 | $1,764 | $9,670 | $3,800 | $108k | 8.55% |
| 8 | $24k | $23k | $8,806 | $14k | $7,774 | $1,896 | $9,670 | $4,236 | $106k | 8.83% |
| 9 | $25k | $23k | $9,038 | $14k | $7,631 | $2,038 | $9,670 | $4,685 | $104k | 9.11% |
| 10 | $26k | $24k | $9,277 | $15k | $7,479 | $2,191 | $9,670 | $5,148 | $102k | 9.41% |
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.