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 7.04%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.02, 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 | -2.62 pts | 7.04% | +2.33 pts | |
| Purchase price | +1.87 pts | 7.04% | -1.89 pts | |
| Exit cap | +1.50 pts | 7.04% | -1.46 pts | |
| Mortgage rate | +0.76 pts | 7.04% | -0.77 pts | |
| Vacancy | +0.54 pts | 7.04% | -0.56 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $10k | $4,839 | $5,326 | $4,596 | $616 | $5,213 | $114 | $63k | 6.27% |
| 2 | $11k | $10k | $4,965 | $5,505 | $4,550 | $662 | $5,213 | $292 | $62k | 6.48% |
| 3 | $11k | $11k | $5,095 | $5,690 | $4,500 | $712 | $5,213 | $477 | $62k | 6.70% |
| 4 | $12k | $11k | $5,228 | $5,880 | $4,447 | $766 | $5,213 | $668 | $61k | 6.93% |
| 5 | $12k | $11k | $5,364 | $6,077 | $4,390 | $823 | $5,213 | $864 | $60k | 7.16% |
| 6 | $13k | $12k | $5,504 | $6,280 | $4,328 | $885 | $5,213 | $1,067 | $59k | 7.40% |
| 7 | $13k | $12k | $5,648 | $6,489 | $4,262 | $951 | $5,213 | $1,277 | $58k | 7.64% |
| 8 | $13k | $13k | $5,796 | $6,706 | $4,190 | $1,022 | $5,213 | $1,493 | $57k | 7.90% |
| 9 | $14k | $13k | $5,948 | $6,929 | $4,114 | $1,099 | $5,213 | $1,716 | $56k | 8.16% |
| 10 | $14k | $13k | $6,104 | $7,159 | $4,031 | $1,181 | $5,213 | $1,947 | $55k | 8.43% |
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.