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 14.68%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.19, 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 | 14.68% | +2.04 pts | |
| Purchase price | +1.99 pts | 14.68% | -1.93 pts | |
| Exit cap | +1.29 pts | 14.68% | -1.23 pts | |
| Mortgage rate | +0.78 pts | 14.68% | -0.78 pts | |
| Vacancy | +0.45 pts | 14.68% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $41k | $38k | $13k | $25k | $18k | $2,461 | $21k | $4,030 | $252k | 7.33% |
| 2 | $42k | $39k | $14k | $26k | $18k | $2,645 | $21k | $4,824 | $249k | 7.56% |
| 3 | $43k | $41k | $14k | $26k | $18k | $2,844 | $21k | $5,642 | $246k | 7.80% |
| 4 | $44k | $42k | $14k | $27k | $18k | $3,057 | $21k | $6,487 | $243k | 8.05% |
| 5 | $46k | $43k | $15k | $28k | $18k | $3,286 | $21k | $7,357 | $240k | 8.31% |
| 6 | $47k | $44k | $15k | $29k | $17k | $3,532 | $21k | $8,255 | $236k | 8.57% |
| 7 | $49k | $46k | $16k | $30k | $17k | $3,797 | $21k | $9,181 | $233k | 8.85% |
| 8 | $50k | $47k | $16k | $31k | $17k | $4,081 | $21k | $10k | $229k | 9.13% |
| 9 | $52k | $48k | $17k | $32k | $16k | $4,387 | $21k | $11k | $224k | 9.42% |
| 10 | $53k | $50k | $17k | $33k | $16k | $4,716 | $21k | $12k | $219k | 9.72% |
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.