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 13.54%, 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 | 13.54% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.54% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.54% | -1.24 pts | |
| Mortgage rate | +0.75 pts | 13.54% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.54% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $24k | $23k | $8,596 | $14k | $10k | $1,408 | $12k | $2,127 | $144k | 7.24% |
| 2 | $25k | $23k | $8,823 | $14k | $10k | $1,513 | $12k | $2,580 | $143k | 7.47% |
| 3 | $26k | $24k | $9,055 | $15k | $10k | $1,626 | $12k | $3,047 | $141k | 7.71% |
| 4 | $26k | $25k | $9,294 | $15k | $10k | $1,748 | $12k | $3,528 | $139k | 7.96% |
| 5 | $27k | $25k | $9,539 | $16k | $10k | $1,879 | $12k | $4,025 | $137k | 8.22% |
| 6 | $28k | $26k | $9,791 | $16k | $9,884 | $2,020 | $12k | $4,537 | $135k | 8.48% |
| 7 | $29k | $27k | $10k | $17k | $9,733 | $2,172 | $12k | $5,066 | $133k | 8.75% |
| 8 | $30k | $28k | $10k | $18k | $9,570 | $2,334 | $12k | $5,611 | $131k | 9.03% |
| 9 | $30k | $29k | $11k | $18k | $9,395 | $2,509 | $12k | $6,173 | $128k | 9.32% |
| 10 | $31k | $30k | $11k | $19k | $9,207 | $2,698 | $12k | $6,752 | $126k | 9.62% |
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.