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 13.69%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.18, 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 | -2.23 pts | 13.69% | +2.06 pts | |
| Purchase price | +1.91 pts | 13.69% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.69% | -1.24 pts | |
| Mortgage rate | +0.75 pts | 13.69% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.69% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $25k | $23k | $8,807 | $15k | $11k | $1,452 | $12k | $2,240 | $149k | 7.26% |
| 2 | $26k | $24k | $9,039 | $15k | $11k | $1,561 | $12k | $2,708 | $147k | 7.49% |
| 3 | $26k | $25k | $9,277 | $15k | $11k | $1,678 | $12k | $3,191 | $145k | 7.73% |
| 4 | $27k | $25k | $9,521 | $16k | $10k | $1,803 | $12k | $3,688 | $144k | 7.98% |
| 5 | $28k | $26k | $9,773 | $16k | $10k | $1,939 | $12k | $4,202 | $142k | 8.24% |
| 6 | $29k | $27k | $10k | $17k | $10k | $2,084 | $12k | $4,731 | $139k | 8.51% |
| 7 | $30k | $28k | $10k | $18k | $10k | $2,240 | $12k | $5,278 | $137k | 8.78% |
| 8 | $31k | $29k | $11k | $18k | $9,871 | $2,408 | $12k | $5,841 | $135k | 9.06% |
| 9 | $31k | $30k | $11k | $19k | $9,691 | $2,588 | $12k | $6,422 | $132k | 9.35% |
| 10 | $32k | $30k | $11k | $19k | $9,497 | $2,782 | $12k | $7,021 | $129k | 9.65% |
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.