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 15.30%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.22, 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 | 15.30% | +2.03 pts | |
| Purchase price | +1.96 pts | 15.30% | -1.90 pts | |
| Exit cap | +1.26 pts | 15.30% | -1.20 pts | |
| Mortgage rate | +0.76 pts | 15.30% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.30% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $36k | $34k | $12k | $22k | $16k | $2,141 | $18k | $3,995 | $219k | 7.49% |
| 2 | $37k | $35k | $12k | $23k | $16k | $2,302 | $18k | $4,702 | $217k | 7.73% |
| 3 | $39k | $36k | $13k | $24k | $16k | $2,474 | $18k | $5,430 | $214k | 7.98% |
| 4 | $40k | $37k | $13k | $24k | $15k | $2,660 | $18k | $6,182 | $212k | 8.24% |
| 5 | $41k | $38k | $13k | $25k | $15k | $2,859 | $18k | $6,957 | $209k | 8.50% |
| 6 | $42k | $40k | $14k | $26k | $15k | $3,074 | $18k | $7,756 | $206k | 8.77% |
| 7 | $43k | $41k | $14k | $27k | $15k | $3,304 | $18k | $8,580 | $202k | 9.05% |
| 8 | $45k | $42k | $15k | $28k | $15k | $3,552 | $18k | $9,430 | $199k | 9.34% |
| 9 | $46k | $43k | $15k | $28k | $14k | $3,818 | $18k | $10k | $195k | 9.63% |
| 10 | $47k | $45k | $15k | $29k | $14k | $4,104 | $18k | $11k | $191k | 9.94% |
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.