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 8.68%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.06, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.49 pts | 8.68% | +2.24 pts | |
| Purchase price | +1.86 pts | 8.68% | -1.86 pts | |
| Exit cap | +1.44 pts | 8.68% | -1.40 pts | |
| Mortgage rate | +0.75 pts | 8.68% | -0.76 pts | |
| Vacancy | +0.52 pts | 8.68% | -0.53 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $13k | $12k | $5,321 | $6,444 | $5,354 | $718 | $6,072 | $372 | $73k | 6.52% |
| 2 | $13k | $12k | $5,461 | $6,658 | $5,300 | $772 | $6,072 | $586 | $73k | 6.73% |
| 3 | $13k | $12k | $5,603 | $6,879 | $5,242 | $830 | $6,072 | $807 | $72k | 6.96% |
| 4 | $14k | $13k | $5,750 | $7,107 | $5,180 | $892 | $6,072 | $1,035 | $71k | 7.19% |
| 5 | $14k | $13k | $5,900 | $7,342 | $5,113 | $959 | $6,072 | $1,270 | $70k | 7.42% |
| 6 | $15k | $14k | $6,055 | $7,585 | $5,042 | $1,030 | $6,072 | $1,513 | $69k | 7.67% |
| 7 | $15k | $14k | $6,214 | $7,835 | $4,964 | $1,108 | $6,072 | $1,763 | $68k | 7.92% |
| 8 | $15k | $14k | $6,377 | $8,094 | $4,881 | $1,191 | $6,072 | $2,022 | $67k | 8.18% |
| 9 | $16k | $15k | $6,544 | $8,361 | $4,792 | $1,280 | $6,072 | $2,289 | $65k | 8.45% |
| 10 | $16k | $15k | $6,716 | $8,636 | $4,696 | $1,376 | $6,072 | $2,564 | $64k | 8.73% |
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.