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 4.71%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.97, 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 | -2.85 pts | 4.71% | +2.49 pts | |
| Purchase price | +1.91 pts | 4.71% | -1.95 pts | |
| Exit cap | +1.59 pts | 4.71% | -1.57 pts | |
| Mortgage rate | +0.78 pts | 4.71% | -0.79 pts | |
| Vacancy | +0.59 pts | 4.71% | -0.60 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $9,123 | $8,576 | $4,360 | $4,216 | $3,844 | $515 | $4,359 | -$143 | $53k | 5.94% |
| 2 | $9,397 | $8,833 | $4,473 | $4,360 | $3,805 | $554 | $4,359 | $1 | $52k | 6.14% |
| 3 | $9,679 | $9,098 | $4,589 | $4,508 | $3,764 | $596 | $4,359 | $149 | $52k | 6.35% |
| 4 | $9,969 | $9,371 | $4,709 | $4,662 | $3,719 | $640 | $4,359 | $303 | $51k | 6.57% |
| 5 | $10k | $9,652 | $4,832 | $4,820 | $3,671 | $688 | $4,359 | $461 | $50k | 6.79% |
| 6 | $11k | $9,941 | $4,958 | $4,984 | $3,619 | $740 | $4,359 | $625 | $50k | 7.02% |
| 7 | $11k | $10k | $5,087 | $5,153 | $3,564 | $795 | $4,359 | $794 | $49k | 7.26% |
| 8 | $11k | $11k | $5,220 | $5,327 | $3,504 | $855 | $4,359 | $968 | $48k | 7.50% |
| 9 | $12k | $11k | $5,356 | $5,507 | $3,440 | $919 | $4,359 | $1,148 | $47k | 7.76% |
| 10 | $12k | $11k | $5,496 | $5,693 | $3,371 | $988 | $4,359 | $1,334 | $46k | 8.02% |
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.