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 15.83%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.23, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.16 pts | 15.83% | +2.02 pts | |
| Purchase price | +1.97 pts | 15.83% | -1.91 pts | |
| Exit cap | +1.25 pts | 15.83% | -1.19 pts | |
| Mortgage rate | +0.76 pts | 15.83% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.83% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $43k | $40k | $14k | $26k | $19k | $2,538 | $21k | $5,005 | $260k | 7.57% |
| 2 | $44k | $42k | $14k | $27k | $19k | $2,729 | $21k | $5,849 | $257k | 7.81% |
| 3 | $46k | $43k | $15k | $28k | $19k | $2,933 | $21k | $6,720 | $254k | 8.06% |
| 4 | $47k | $44k | $15k | $29k | $18k | $3,153 | $21k | $7,617 | $251k | 8.32% |
| 5 | $48k | $46k | $16k | $30k | $18k | $3,389 | $21k | $8,543 | $248k | 8.58% |
| 6 | $50k | $47k | $16k | $31k | $18k | $3,644 | $21k | $9,497 | $244k | 8.86% |
| 7 | $51k | $48k | $16k | $32k | $18k | $3,917 | $21k | $10k | $240k | 9.14% |
| 8 | $53k | $50k | $17k | $33k | $17k | $4,210 | $21k | $11k | $236k | 9.43% |
| 9 | $55k | $51k | $17k | $34k | $17k | $4,526 | $21k | $13k | $231k | 9.73% |
| 10 | $56k | $53k | $18k | $35k | $17k | $4,865 | $21k | $14k | $226k | 10.03% |
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.