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 14.77%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.19, 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 | -2.19 pts | 14.77% | +2.03 pts | |
| Purchase price | +1.99 pts | 14.77% | -1.94 pts | |
| Exit cap | +1.29 pts | 14.77% | -1.23 pts | |
| Mortgage rate | +0.78 pts | 14.77% | -0.79 pts | |
| Vacancy | +0.45 pts | 14.77% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $43k | $41k | $14k | $26k | $19k | $2,613 | $22k | $4,308 | $267k | 7.34% |
| 2 | $44k | $42k | $14k | $27k | $19k | $2,809 | $22k | $5,151 | $265k | 7.57% |
| 3 | $46k | $43k | $15k | $28k | $19k | $3,020 | $22k | $6,020 | $262k | 7.81% |
| 4 | $47k | $44k | $15k | $29k | $19k | $3,246 | $22k | $6,917 | $258k | 8.06% |
| 5 | $49k | $46k | $16k | $30k | $19k | $3,489 | $22k | $7,842 | $255k | 8.32% |
| 6 | $50k | $47k | $16k | $31k | $18k | $3,751 | $22k | $8,795 | $251k | 8.58% |
| 7 | $51k | $48k | $16k | $32k | $18k | $4,032 | $22k | $9,779 | $247k | 8.86% |
| 8 | $53k | $50k | $17k | $33k | $18k | $4,334 | $22k | $11k | $243k | 9.14% |
| 9 | $55k | $51k | $17k | $34k | $17k | $4,659 | $22k | $12k | $238k | 9.43% |
| 10 | $56k | $53k | $18k | $35k | $17k | $5,008 | $22k | $13k | $233k | 9.73% |
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.