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.
Year-1 DSCR is 0.67, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -4.55 pts | -8.92% | +2.07 pts | |
| Purchase price | +1.94 pts | -8.92% | -3.89 pts | |
| Exit cap | +1.49 pts | -8.92% | -4.06 pts | |
| Vacancy | -1.40 pts | -8.92% | -0.86 pts | |
| Mortgage rate | -0.71 pts | -8.92% | -1.05 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $25k | $24k | $10k | $13k | $18k | $2,381 | $20k | -$6,686 | $244k | 4.10% |
| 2 | $26k | $25k | $11k | $14k | $18k | $2,559 | $20k | -$6,235 | $241k | 4.24% |
| 3 | $27k | $25k | $11k | $14k | $17k | $2,751 | $20k | -$5,770 | $238k | 4.38% |
| 4 | $28k | $26k | $11k | $15k | $17k | $2,957 | $20k | -$5,289 | $235k | 4.53% |
| 5 | $29k | $27k | $11k | $15k | $17k | $3,179 | $20k | -$4,794 | $232k | 4.68% |
| 6 | $29k | $28k | $12k | $16k | $17k | $3,417 | $20k | -$4,282 | $229k | 4.83% |
| 7 | $30k | $28k | $12k | $16k | $16k | $3,674 | $20k | -$3,754 | $225k | 5.00% |
| 8 | $31k | $29k | $12k | $17k | $16k | $3,949 | $20k | -$3,209 | $221k | 5.16% |
| 9 | $32k | $30k | $13k | $17k | $16k | $4,245 | $20k | -$2,647 | $217k | 5.33% |
| 10 | $33k | $31k | $13k | $18k | $16k | $4,563 | $20k | -$2,066 | $212k | 5.51% |
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.