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 9.68%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.09, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.43 pts | 9.68% | +2.20 pts | |
| Purchase price | +1.86 pts | 9.68% | -1.86 pts | |
| Exit cap | +1.41 pts | 9.68% | -1.36 pts | |
| Mortgage rate | +0.75 pts | 9.68% | -0.76 pts | |
| Vacancy | +0.50 pts | 9.68% | -0.51 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $14k | $13k | $5,701 | $7,323 | $5,950 | $798 | $6,747 | $576 | $82k | 6.66% |
| 2 | $14k | $13k | $5,850 | $7,565 | $5,890 | $858 | $6,747 | $817 | $81k | 6.88% |
| 3 | $15k | $14k | $6,003 | $7,814 | $5,826 | $922 | $6,747 | $1,066 | $80k | 7.11% |
| 4 | $15k | $14k | $6,160 | $8,071 | $5,756 | $991 | $6,747 | $1,324 | $79k | 7.34% |
| 5 | $16k | $15k | $6,322 | $8,337 | $5,682 | $1,065 | $6,747 | $1,589 | $78k | 7.59% |
| 6 | $16k | $15k | $6,487 | $8,610 | $5,602 | $1,145 | $6,747 | $1,863 | $77k | 7.83% |
| 7 | $17k | $16k | $6,658 | $8,893 | $5,517 | $1,231 | $6,747 | $2,146 | $75k | 8.09% |
| 8 | $17k | $16k | $6,833 | $9,185 | $5,424 | $1,323 | $6,747 | $2,437 | $74k | 8.36% |
| 9 | $18k | $16k | $7,012 | $9,486 | $5,325 | $1,422 | $6,747 | $2,738 | $73k | 8.63% |
| 10 | $18k | $17k | $7,196 | $9,797 | $5,218 | $1,529 | $6,747 | $3,049 | $71k | 8.91% |
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.