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 9.60%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.08, 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 | -2.43 pts | 9.60% | +2.20 pts | |
| Purchase price | +1.86 pts | 9.60% | -1.86 pts | |
| Exit cap | +1.41 pts | 9.60% | -1.36 pts | |
| Mortgage rate | +0.75 pts | 9.60% | -0.76 pts | |
| Vacancy | +0.50 pts | 9.60% | -0.51 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $14k | $13k | $5,669 | $7,250 | $5,900 | $791 | $6,692 | $559 | $81k | 6.65% |
| 2 | $14k | $13k | $5,818 | $7,490 | $5,841 | $850 | $6,692 | $798 | $80k | 6.87% |
| 3 | $15k | $14k | $5,970 | $7,736 | $5,777 | $914 | $6,692 | $1,045 | $79k | 7.10% |
| 4 | $15k | $14k | $6,126 | $7,991 | $5,709 | $983 | $6,692 | $1,300 | $78k | 7.33% |
| 5 | $15k | $15k | $6,287 | $8,254 | $5,635 | $1,056 | $6,692 | $1,563 | $77k | 7.57% |
| 6 | $16k | $15k | $6,452 | $8,526 | $5,556 | $1,136 | $6,692 | $1,834 | $76k | 7.82% |
| 7 | $16k | $15k | $6,621 | $8,806 | $5,471 | $1,221 | $6,692 | $2,114 | $75k | 8.08% |
| 8 | $17k | $16k | $6,795 | $9,095 | $5,379 | $1,312 | $6,692 | $2,403 | $73k | 8.34% |
| 9 | $17k | $16k | $6,973 | $9,393 | $5,281 | $1,411 | $6,692 | $2,701 | $72k | 8.62% |
| 10 | $18k | $17k | $7,157 | $9,701 | $5,175 | $1,516 | $6,692 | $3,009 | $71k | 8.90% |
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.