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 14.67%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.21, 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 | -2.19 pts | 14.67% | +2.04 pts | |
| Purchase price | +1.94 pts | 14.67% | -1.89 pts | |
| Exit cap | +1.27 pts | 14.67% | -1.21 pts | |
| Mortgage rate | +0.76 pts | 14.67% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.67% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $31k | $29k | $10k | $18k | $13k | $1,807 | $15k | $3,145 | $185k | 7.40% |
| 2 | $32k | $30k | $11k | $19k | $13k | $1,943 | $15k | $3,736 | $183k | 7.64% |
| 3 | $33k | $31k | $11k | $20k | $13k | $2,089 | $15k | $4,346 | $181k | 7.88% |
| 4 | $34k | $32k | $11k | $20k | $13k | $2,245 | $15k | $4,974 | $179k | 8.14% |
| 5 | $35k | $33k | $12k | $21k | $13k | $2,413 | $15k | $5,623 | $176k | 8.40% |
| 6 | $36k | $34k | $12k | $22k | $13k | $2,594 | $15k | $6,291 | $174k | 8.67% |
| 7 | $37k | $35k | $12k | $22k | $12k | $2,789 | $15k | $6,981 | $171k | 8.94% |
| 8 | $38k | $36k | $13k | $23k | $12k | $2,998 | $15k | $7,692 | $168k | 9.23% |
| 9 | $39k | $37k | $13k | $24k | $12k | $3,223 | $15k | $8,425 | $165k | 9.52% |
| 10 | $40k | $38k | $13k | $24k | $12k | $3,464 | $15k | $9,182 | $161k | 9.83% |
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.