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 10.07%, which roughly meets 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 | -2.40 pts | 10.07% | +2.18 pts | |
| Purchase price | +1.86 pts | 10.07% | -1.85 pts | |
| Exit cap | +1.40 pts | 10.07% | -1.35 pts | |
| Mortgage rate | +0.75 pts | 10.07% | -0.76 pts | |
| Vacancy | +0.50 pts | 10.07% | -0.51 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $14k | $14k | $5,876 | $7,730 | $6,226 | $835 | $7,061 | $670 | $85k | 6.72% |
| 2 | $15k | $14k | $6,030 | $7,985 | $6,163 | $897 | $7,061 | $924 | $85k | 6.94% |
| 3 | $15k | $14k | $6,188 | $8,247 | $6,096 | $965 | $7,061 | $1,187 | $84k | 7.17% |
| 4 | $16k | $15k | $6,350 | $8,518 | $6,024 | $1,037 | $7,061 | $1,457 | $83k | 7.41% |
| 5 | $16k | $15k | $6,517 | $8,798 | $5,946 | $1,115 | $7,061 | $1,737 | $81k | 7.65% |
| 6 | $17k | $16k | $6,688 | $9,086 | $5,862 | $1,198 | $7,061 | $2,025 | $80k | 7.90% |
| 7 | $17k | $16k | $6,864 | $9,384 | $5,773 | $1,288 | $7,061 | $2,323 | $79k | 8.16% |
| 8 | $18k | $17k | $7,044 | $9,691 | $5,676 | $1,385 | $7,061 | $2,630 | $78k | 8.43% |
| 9 | $18k | $17k | $7,229 | $10k | $5,572 | $1,488 | $7,061 | $2,947 | $76k | 8.70% |
| 10 | $19k | $18k | $7,419 | $10k | $5,461 | $1,600 | $7,061 | $3,274 | $74k | 8.99% |
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.