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 13.05%, 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 | -2.24 pts | 13.05% | +2.07 pts | |
| Purchase price | +2.02 pts | 13.05% | -1.98 pts | |
| Exit cap | +1.35 pts | 13.05% | -1.30 pts | |
| Mortgage rate | +0.80 pts | 13.05% | -0.81 pts | |
| Vacancy | +0.46 pts | 13.05% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $39k | $36k | $13k | $23k | $18k | $2,431 | $21k | $2,873 | $249k | 7.00% |
| 2 | $40k | $38k | $13k | $24k | $18k | $2,613 | $21k | $3,624 | $246k | 7.22% |
| 3 | $41k | $39k | $14k | $25k | $18k | $2,809 | $21k | $4,398 | $243k | 7.45% |
| 4 | $42k | $40k | $14k | $26k | $18k | $3,020 | $21k | $5,197 | $240k | 7.69% |
| 5 | $44k | $41k | $14k | $27k | $17k | $3,246 | $21k | $6,021 | $237k | 7.94% |
| 6 | $45k | $42k | $15k | $27k | $17k | $3,489 | $21k | $6,871 | $234k | 8.19% |
| 7 | $46k | $43k | $15k | $28k | $17k | $3,751 | $21k | $7,747 | $230k | 8.45% |
| 8 | $48k | $45k | $16k | $29k | $17k | $4,032 | $21k | $8,650 | $226k | 8.72% |
| 9 | $49k | $46k | $16k | $30k | $16k | $4,334 | $21k | $9,582 | $221k | 9.00% |
| 10 | $51k | $48k | $16k | $31k | $16k | $4,659 | $21k | $11k | $217k | 9.29% |
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.