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 10.25%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.10, 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 | -2.39 pts | 10.25% | +2.17 pts | |
| Purchase price | +1.86 pts | 10.25% | -1.85 pts | |
| Exit cap | +1.39 pts | 10.25% | -1.34 pts | |
| Mortgage rate | +0.75 pts | 10.25% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.25% | -0.51 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $15k | $14k | $5,963 | $7,930 | $6,361 | $853 | $7,214 | $716 | $87k | 6.75% |
| 2 | $15k | $14k | $6,119 | $8,191 | $6,297 | $917 | $7,214 | $977 | $86k | 6.97% |
| 3 | $16k | $15k | $6,279 | $8,460 | $6,228 | $986 | $7,214 | $1,246 | $85k | 7.20% |
| 4 | $16k | $15k | $6,444 | $8,737 | $6,155 | $1,059 | $7,214 | $1,523 | $84k | 7.44% |
| 5 | $17k | $16k | $6,613 | $9,024 | $6,075 | $1,139 | $7,214 | $1,809 | $83k | 7.68% |
| 6 | $17k | $16k | $6,786 | $9,319 | $5,990 | $1,224 | $7,214 | $2,105 | $82k | 7.93% |
| 7 | $18k | $17k | $6,965 | $9,624 | $5,898 | $1,316 | $7,214 | $2,410 | $81k | 8.19% |
| 8 | $18k | $17k | $7,148 | $9,939 | $5,799 | $1,415 | $7,214 | $2,725 | $79k | 8.46% |
| 9 | $19k | $18k | $7,336 | $10k | $5,693 | $1,521 | $7,214 | $3,049 | $78k | 8.73% |
| 10 | $19k | $18k | $7,529 | $11k | $5,579 | $1,635 | $7,214 | $3,384 | $76k | 9.02% |
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.