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 13.56%, 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 | 13.56% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.56% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.56% | -1.24 pts | |
| Mortgage rate | +0.75 pts | 13.56% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.56% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $24k | $23k | $8,631 | $14k | $11k | $1,415 | $12k | $2,146 | $145k | 7.24% |
| 2 | $25k | $23k | $8,858 | $15k | $10k | $1,521 | $12k | $2,601 | $143k | 7.47% |
| 3 | $26k | $24k | $9,091 | $15k | $10k | $1,635 | $12k | $3,070 | $142k | 7.71% |
| 4 | $26k | $25k | $9,331 | $16k | $10k | $1,757 | $12k | $3,554 | $140k | 7.96% |
| 5 | $27k | $26k | $9,577 | $16k | $10k | $1,889 | $12k | $4,054 | $138k | 8.22% |
| 6 | $28k | $26k | $9,830 | $17k | $9,935 | $2,031 | $12k | $4,569 | $136k | 8.48% |
| 7 | $29k | $27k | $10k | $17k | $9,783 | $2,183 | $12k | $5,100 | $134k | 8.76% |
| 8 | $30k | $28k | $10k | $18k | $9,620 | $2,347 | $12k | $5,648 | $131k | 9.04% |
| 9 | $31k | $29k | $11k | $18k | $9,444 | $2,522 | $12k | $6,214 | $129k | 9.33% |
| 10 | $32k | $30k | $11k | $19k | $9,255 | $2,711 | $12k | $6,797 | $126k | 9.63% |
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.