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 -8.90%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.71, 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 | -3.83 pts | -8.90% | +4.40 pts | |
| Exit cap | +2.71 pts | -8.90% | -1.71 pts | |
| Purchase price | +2.84 pts | -8.90% | -1.48 pts | |
| Vacancy | +1.16 pts | -8.90% | -1.26 pts | |
| Mortgage rate | +1.14 pts | -8.90% | -1.19 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $5,352 | $5,031 | $3,291 | $1,740 | $2,165 | $290 | $2,456 | -$716 | $30k | 4.35% |
| 2 | $5,513 | $5,182 | $3,376 | $1,806 | $2,144 | $312 | $2,456 | -$650 | $29k | 4.52% |
| 3 | $5,678 | $5,337 | $3,463 | $1,874 | $2,120 | $336 | $2,456 | -$582 | $29k | 4.69% |
| 4 | $5,849 | $5,498 | $3,553 | $1,945 | $2,095 | $361 | $2,456 | -$511 | $29k | 4.86% |
| 5 | $6,024 | $5,663 | $3,644 | $2,018 | $2,068 | $388 | $2,456 | -$438 | $28k | 5.05% |
| 6 | $6,205 | $5,832 | $3,739 | $2,094 | $2,039 | $417 | $2,456 | -$362 | $28k | 5.23% |
| 7 | $6,391 | $6,007 | $3,836 | $2,172 | $2,008 | $448 | $2,456 | -$284 | $27k | 5.43% |
| 8 | $6,583 | $6,188 | $3,935 | $2,253 | $1,974 | $482 | $2,456 | -$203 | $27k | 5.63% |
| 9 | $6,780 | $6,373 | $4,037 | $2,337 | $1,938 | $518 | $2,456 | -$119 | $26k | 5.84% |
| 10 | $6,983 | $6,564 | $4,141 | $2,423 | $1,899 | $556 | $2,456 | -$33 | $26k | 6.06% |
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.