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 10.75%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.11, 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 | -2.36 pts | 10.75% | +2.15 pts | |
| Purchase price | +1.87 pts | 10.75% | -1.85 pts | |
| Exit cap | +1.38 pts | 10.75% | -1.32 pts | |
| Mortgage rate | +0.75 pts | 10.75% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.75% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $16k | $15k | $6,221 | $8,529 | $6,767 | $907 | $7,674 | $855 | $93k | 6.82% |
| 2 | $16k | $15k | $6,384 | $8,808 | $6,699 | $975 | $7,674 | $1,134 | $92k | 7.05% |
| 3 | $17k | $16k | $6,552 | $9,097 | $6,626 | $1,048 | $7,674 | $1,422 | $91k | 7.28% |
| 4 | $17k | $16k | $6,724 | $9,394 | $6,547 | $1,127 | $7,674 | $1,720 | $90k | 7.52% |
| 5 | $18k | $17k | $6,900 | $9,701 | $6,463 | $1,212 | $7,674 | $2,027 | $88k | 7.76% |
| 6 | $18k | $17k | $7,081 | $10k | $6,372 | $1,302 | $7,674 | $2,344 | $87k | 8.01% |
| 7 | $19k | $18k | $7,267 | $10k | $6,274 | $1,400 | $7,674 | $2,671 | $86k | 8.28% |
| 8 | $19k | $18k | $7,459 | $11k | $6,170 | $1,505 | $7,674 | $3,008 | $84k | 8.55% |
| 9 | $20k | $19k | $7,655 | $11k | $6,057 | $1,618 | $7,674 | $3,356 | $83k | 8.82% |
| 10 | $20k | $19k | $7,856 | $11k | $5,935 | $1,739 | $7,674 | $3,715 | $81k | 9.11% |
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.