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 6.30%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.00, 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 | -2.69 pts | 6.30% | +2.38 pts | |
| Purchase price | +1.88 pts | 6.30% | -1.90 pts | |
| Exit cap | +1.53 pts | 6.30% | -1.49 pts | |
| Mortgage rate | +0.77 pts | 6.30% | -0.78 pts | |
| Vacancy | +0.55 pts | 6.30% | -0.57 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $10k | $9,593 | $4,666 | $4,927 | $4,326 | $580 | $4,906 | $21 | $59k | 6.17% |
| 2 | $11k | $9,881 | $4,788 | $5,093 | $4,282 | $623 | $4,906 | $188 | $59k | 6.37% |
| 3 | $11k | $10k | $4,913 | $5,265 | $4,235 | $670 | $4,906 | $359 | $58k | 6.59% |
| 4 | $11k | $10k | $5,041 | $5,442 | $4,185 | $720 | $4,906 | $536 | $57k | 6.81% |
| 5 | $11k | $11k | $5,173 | $5,625 | $4,131 | $774 | $4,906 | $719 | $57k | 7.04% |
| 6 | $12k | $11k | $5,308 | $5,814 | $4,073 | $832 | $4,906 | $908 | $56k | 7.28% |
| 7 | $12k | $11k | $5,446 | $6,008 | $4,011 | $895 | $4,906 | $1,103 | $55k | 7.52% |
| 8 | $13k | $12k | $5,589 | $6,210 | $3,944 | $962 | $4,906 | $1,304 | $54k | 7.77% |
| 9 | $13k | $12k | $5,735 | $6,418 | $3,871 | $1,034 | $4,906 | $1,512 | $53k | 8.03% |
| 10 | $13k | $13k | $5,885 | $6,632 | $3,794 | $1,112 | $4,906 | $1,726 | $52k | 8.30% |
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.