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 15.05%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.21, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.18 pts | 15.05% | +2.03 pts | |
| Purchase price | +1.95 pts | 15.05% | -1.90 pts | |
| Exit cap | +1.27 pts | 15.05% | -1.20 pts | |
| Mortgage rate | +0.76 pts | 15.05% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.05% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $34k | $32k | $11k | $21k | $15k | $1,995 | $17k | $3,624 | $204k | 7.46% |
| 2 | $35k | $33k | $12k | $21k | $15k | $2,145 | $17k | $4,280 | $202k | 7.70% |
| 3 | $36k | $34k | $12k | $22k | $15k | $2,306 | $17k | $4,956 | $200k | 7.94% |
| 4 | $37k | $35k | $12k | $23k | $14k | $2,479 | $17k | $5,654 | $197k | 8.20% |
| 5 | $38k | $36k | $13k | $23k | $14k | $2,664 | $17k | $6,374 | $195k | 8.46% |
| 6 | $39k | $37k | $13k | $24k | $14k | $2,864 | $17k | $7,116 | $192k | 8.73% |
| 7 | $41k | $38k | $13k | $25k | $14k | $3,079 | $17k | $7,881 | $189k | 9.01% |
| 8 | $42k | $39k | $14k | $26k | $14k | $3,310 | $17k | $8,670 | $185k | 9.29% |
| 9 | $43k | $40k | $14k | $26k | $13k | $3,558 | $17k | $9,484 | $182k | 9.59% |
| 10 | $44k | $42k | $14k | $27k | $13k | $3,824 | $17k | $10k | $178k | 9.90% |
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.