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 11.59%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.13, 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 | -2.32 pts | 11.59% | +2.12 pts | |
| Purchase price | +1.88 pts | 11.59% | -1.85 pts | |
| Exit cap | +1.35 pts | 11.59% | -1.30 pts | |
| Mortgage rate | +0.75 pts | 11.59% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.59% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18k | $16k | $6,738 | $9,727 | $7,579 | $1,016 | $8,595 | $1,132 | $104k | 6.95% |
| 2 | $18k | $17k | $6,915 | $10k | $7,503 | $1,092 | $8,595 | $1,449 | $103k | 7.17% |
| 3 | $19k | $17k | $7,097 | $10k | $7,421 | $1,174 | $8,595 | $1,776 | $102k | 7.41% |
| 4 | $19k | $18k | $7,283 | $11k | $7,333 | $1,262 | $8,595 | $2,114 | $100k | 7.65% |
| 5 | $20k | $19k | $7,475 | $11k | $7,238 | $1,357 | $8,595 | $2,462 | $99k | 7.90% |
| 6 | $20k | $19k | $7,671 | $11k | $7,137 | $1,459 | $8,595 | $2,821 | $98k | 8.15% |
| 7 | $21k | $20k | $7,873 | $12k | $7,027 | $1,568 | $8,595 | $3,192 | $96k | 8.42% |
| 8 | $22k | $20k | $8,080 | $12k | $6,910 | $1,686 | $8,595 | $3,575 | $94k | 8.69% |
| 9 | $22k | $21k | $8,293 | $13k | $6,784 | $1,812 | $8,595 | $3,969 | $93k | 8.97% |
| 10 | $23k | $21k | $8,512 | $13k | $6,648 | $1,948 | $8,595 | $4,376 | $91k | 9.27% |
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.