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 13.45%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.15, 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 | -2.23 pts | 13.45% | +2.06 pts | |
| Purchase price | +2.00 pts | 13.45% | -1.96 pts | |
| Exit cap | +1.34 pts | 13.45% | -1.28 pts | |
| Mortgage rate | +0.79 pts | 13.45% | -0.80 pts | |
| Vacancy | +0.46 pts | 13.45% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $38k | $35k | $13k | $23k | $17k | $2,323 | $20k | $3,031 | $238k | 7.09% |
| 2 | $39k | $36k | $13k | $23k | $17k | $2,497 | $20k | $3,757 | $235k | 7.31% |
| 3 | $40k | $37k | $13k | $24k | $17k | $2,684 | $20k | $4,507 | $232k | 7.55% |
| 4 | $41k | $39k | $14k | $25k | $17k | $2,885 | $20k | $5,279 | $230k | 7.79% |
| 5 | $42k | $40k | $14k | $26k | $17k | $3,102 | $20k | $6,076 | $227k | 8.04% |
| 6 | $43k | $41k | $14k | $27k | $16k | $3,334 | $20k | $6,898 | $223k | 8.30% |
| 7 | $45k | $42k | $15k | $27k | $16k | $3,584 | $20k | $7,746 | $220k | 8.56% |
| 8 | $46k | $43k | $15k | $28k | $16k | $3,853 | $20k | $8,620 | $216k | 8.83% |
| 9 | $48k | $45k | $16k | $29k | $16k | $4,141 | $20k | $9,522 | $212k | 9.12% |
| 10 | $49k | $46k | $16k | $30k | $15k | $4,452 | $20k | $10k | $207k | 9.41% |
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.