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 11.82%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.31 pts | 11.82% | +2.12 pts | |
| Purchase price | +1.88 pts | 11.82% | -1.86 pts | |
| Exit cap | +1.35 pts | 11.82% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 11.82% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.82% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18k | $17k | $6,907 | $10k | $7,844 | $1,052 | $8,896 | $1,222 | $108k | 6.98% |
| 2 | $19k | $18k | $7,089 | $10k | $7,766 | $1,131 | $8,896 | $1,552 | $106k | 7.21% |
| 3 | $19k | $18k | $7,275 | $11k | $7,681 | $1,215 | $8,896 | $1,892 | $105k | 7.44% |
| 4 | $20k | $19k | $7,466 | $11k | $7,590 | $1,307 | $8,896 | $2,242 | $104k | 7.69% |
| 5 | $20k | $19k | $7,662 | $12k | $7,492 | $1,404 | $8,896 | $2,604 | $103k | 7.94% |
| 6 | $21k | $20k | $7,864 | $12k | $7,387 | $1,510 | $8,896 | $2,977 | $101k | 8.19% |
| 7 | $22k | $20k | $8,071 | $12k | $7,273 | $1,623 | $8,896 | $3,362 | $99k | 8.46% |
| 8 | $22k | $21k | $8,284 | $13k | $7,152 | $1,745 | $8,896 | $3,760 | $98k | 8.73% |
| 9 | $23k | $22k | $8,502 | $13k | $7,021 | $1,875 | $8,896 | $4,169 | $96k | 9.02% |
| 10 | $24k | $22k | $8,726 | $13k | $6,880 | $2,016 | $8,896 | $4,592 | $94k | 9.31% |
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.