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 13.24%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.25 pts | 13.24% | +2.07 pts | |
| Purchase price | +1.90 pts | 13.24% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.24% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.24% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.24% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $23k | $21k | $8,226 | $13k | $9,916 | $1,330 | $11k | $1,929 | $136k | 7.19% |
| 2 | $23k | $22k | $8,443 | $14k | $9,816 | $1,429 | $11k | $2,355 | $135k | 7.43% |
| 3 | $24k | $23k | $8,665 | $14k | $9,709 | $1,536 | $11k | $2,794 | $133k | 7.66% |
| 4 | $25k | $23k | $8,893 | $14k | $9,594 | $1,651 | $11k | $3,246 | $131k | 7.91% |
| 5 | $26k | $24k | $9,128 | $15k | $9,470 | $1,775 | $11k | $3,713 | $130k | 8.17% |
| 6 | $26k | $25k | $9,368 | $15k | $9,337 | $1,908 | $11k | $4,195 | $128k | 8.43% |
| 7 | $27k | $26k | $9,616 | $16k | $9,194 | $2,051 | $11k | $4,692 | $126k | 8.70% |
| 8 | $28k | $26k | $9,870 | $16k | $9,040 | $2,205 | $11k | $5,205 | $123k | 8.98% |
| 9 | $29k | $27k | $10k | $17k | $8,875 | $2,370 | $11k | $5,734 | $121k | 9.27% |
| 10 | $30k | $28k | $10k | $18k | $8,697 | $2,548 | $11k | $6,279 | $119k | 9.57% |
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.