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 13.11%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.25 pts | 13.11% | +2.08 pts | |
| Purchase price | +1.90 pts | 13.11% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.11% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.11% | -0.76 pts | |
| Vacancy | +0.47 pts | 13.11% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $22k | $21k | $8,083 | $13k | $9,691 | $1,299 | $11k | $1,852 | $133k | 7.17% |
| 2 | $23k | $22k | $8,295 | $13k | $9,593 | $1,397 | $11k | $2,267 | $132k | 7.41% |
| 3 | $24k | $22k | $8,514 | $14k | $9,488 | $1,501 | $11k | $2,695 | $130k | 7.65% |
| 4 | $24k | $23k | $8,738 | $14k | $9,376 | $1,614 | $11k | $3,137 | $128k | 7.89% |
| 5 | $25k | $24k | $8,968 | $15k | $9,255 | $1,735 | $11k | $3,593 | $127k | 8.15% |
| 6 | $26k | $24k | $9,205 | $15k | $9,125 | $1,865 | $11k | $4,063 | $125k | 8.41% |
| 7 | $27k | $25k | $9,448 | $16k | $8,985 | $2,005 | $11k | $4,548 | $123k | 8.68% |
| 8 | $27k | $26k | $9,697 | $16k | $8,835 | $2,155 | $11k | $5,048 | $121k | 8.96% |
| 9 | $28k | $27k | $9,953 | $17k | $8,673 | $2,317 | $11k | $5,564 | $118k | 9.25% |
| 10 | $29k | $27k | $10k | $17k | $8,500 | $2,490 | $11k | $6,096 | $116k | 9.54% |
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.