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 12.65%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.16, 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 | -2.27 pts | 12.65% | +2.09 pts | |
| Purchase price | +1.89 pts | 12.65% | -1.86 pts | |
| Exit cap | +1.32 pts | 12.65% | -1.27 pts | |
| Mortgage rate | +0.75 pts | 12.65% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.65% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $21k | $19k | $7,600 | $12k | $8,933 | $1,198 | $10k | $1,593 | $123k | 7.11% |
| 2 | $21k | $20k | $7,800 | $12k | $8,843 | $1,288 | $10k | $1,973 | $121k | 7.34% |
| 3 | $22k | $21k | $8,005 | $12k | $8,746 | $1,384 | $10k | $2,365 | $120k | 7.57% |
| 4 | $22k | $21k | $8,216 | $13k | $8,643 | $1,488 | $10k | $2,770 | $118k | 7.82% |
| 5 | $23k | $22k | $8,432 | $13k | $8,531 | $1,599 | $10k | $3,187 | $117k | 8.07% |
| 6 | $24k | $22k | $8,654 | $14k | $8,411 | $1,719 | $10k | $3,617 | $115k | 8.33% |
| 7 | $25k | $23k | $8,882 | $14k | $8,282 | $1,848 | $10k | $4,061 | $113k | 8.60% |
| 8 | $25k | $24k | $9,117 | $15k | $8,144 | $1,987 | $10k | $4,519 | $111k | 8.88% |
| 9 | $26k | $24k | $9,357 | $15k | $7,995 | $2,135 | $10k | $4,991 | $109k | 9.16% |
| 10 | $27k | $25k | $9,605 | $16k | $7,835 | $2,296 | $10k | $5,478 | $107k | 9.46% |
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.