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 8.69%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.06, 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 | -2.49 pts | 8.69% | +2.24 pts | |
| Purchase price | +1.86 pts | 8.69% | -1.86 pts | |
| Exit cap | +1.44 pts | 8.69% | -1.39 pts | |
| Mortgage rate | +0.75 pts | 8.69% | -0.76 pts | |
| Vacancy | +0.52 pts | 8.69% | -0.53 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $13k | $12k | $5,325 | $6,452 | $5,360 | $719 | $6,078 | $374 | $74k | 6.52% |
| 2 | $13k | $12k | $5,464 | $6,667 | $5,306 | $773 | $6,078 | $588 | $73k | 6.73% |
| 3 | $13k | $12k | $5,607 | $6,888 | $5,248 | $830 | $6,078 | $809 | $72k | 6.96% |
| 4 | $14k | $13k | $5,754 | $7,116 | $5,186 | $893 | $6,078 | $1,038 | $71k | 7.19% |
| 5 | $14k | $13k | $5,904 | $7,351 | $5,119 | $960 | $6,078 | $1,273 | $70k | 7.43% |
| 6 | $15k | $14k | $6,059 | $7,594 | $5,047 | $1,031 | $6,078 | $1,516 | $69k | 7.67% |
| 7 | $15k | $14k | $6,218 | $7,845 | $4,969 | $1,109 | $6,078 | $1,767 | $68k | 7.92% |
| 8 | $15k | $14k | $6,381 | $8,104 | $4,886 | $1,192 | $6,078 | $2,026 | $67k | 8.19% |
| 9 | $16k | $15k | $6,548 | $8,371 | $4,797 | $1,281 | $6,078 | $2,293 | $65k | 8.46% |
| 10 | $16k | $15k | $6,720 | $8,647 | $4,701 | $1,377 | $6,078 | $2,569 | $64k | 8.73% |
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.