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 13.08%, 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 | 13.08% | +2.08 pts | |
| Purchase price | +1.90 pts | 13.08% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.08% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.08% | -0.76 pts | |
| Vacancy | +0.47 pts | 13.08% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $22k | $21k | $8,045 | $13k | $9,631 | $1,291 | $11k | $1,832 | $132k | 7.17% |
| 2 | $23k | $21k | $8,256 | $13k | $9,534 | $1,388 | $11k | $2,244 | $131k | 7.40% |
| 3 | $23k | $22k | $8,474 | $14k | $9,430 | $1,492 | $11k | $2,670 | $129k | 7.64% |
| 4 | $24k | $23k | $8,697 | $14k | $9,318 | $1,604 | $11k | $3,108 | $128k | 7.89% |
| 5 | $25k | $23k | $8,926 | $14k | $9,198 | $1,724 | $11k | $3,561 | $126k | 8.14% |
| 6 | $26k | $24k | $9,162 | $15k | $9,069 | $1,854 | $11k | $4,028 | $124k | 8.40% |
| 7 | $26k | $25k | $9,403 | $15k | $8,930 | $1,992 | $11k | $4,509 | $122k | 8.67% |
| 8 | $27k | $26k | $9,652 | $16k | $8,780 | $2,142 | $11k | $5,006 | $120k | 8.95% |
| 9 | $28k | $26k | $9,907 | $16k | $8,620 | $2,302 | $11k | $5,519 | $118k | 9.24% |
| 10 | $29k | $27k | $10k | $17k | $8,447 | $2,475 | $11k | $6,047 | $115k | 9.54% |
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.