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 14.76%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.21, 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 | -2.19 pts | 14.76% | +2.04 pts | |
| Purchase price | +1.94 pts | 14.76% | -1.89 pts | |
| Exit cap | +1.27 pts | 14.76% | -1.21 pts | |
| Mortgage rate | +0.76 pts | 14.76% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.76% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $32k | $30k | $11k | $19k | $14k | $1,851 | $16k | $3,256 | $189k | 7.42% |
| 2 | $32k | $31k | $11k | $20k | $14k | $1,990 | $16k | $3,862 | $187k | 7.65% |
| 3 | $33k | $31k | $11k | $20k | $14k | $2,139 | $16k | $4,487 | $185k | 7.90% |
| 4 | $34k | $32k | $12k | $21k | $13k | $2,299 | $16k | $5,132 | $183k | 8.15% |
| 5 | $35k | $33k | $12k | $21k | $13k | $2,472 | $16k | $5,797 | $180k | 8.41% |
| 6 | $37k | $34k | $12k | $22k | $13k | $2,657 | $16k | $6,482 | $178k | 8.68% |
| 7 | $38k | $35k | $13k | $23k | $13k | $2,856 | $16k | $7,189 | $175k | 8.96% |
| 8 | $39k | $36k | $13k | $24k | $13k | $3,070 | $16k | $7,919 | $172k | 9.24% |
| 9 | $40k | $38k | $13k | $24k | $12k | $3,300 | $16k | $8,671 | $169k | 9.54% |
| 10 | $41k | $39k | $14k | $25k | $12k | $3,548 | $16k | $9,446 | $165k | 9.84% |
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.