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 7.05%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.02, 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 | -2.62 pts | 7.05% | +2.33 pts | |
| Purchase price | +1.87 pts | 7.05% | -1.89 pts | |
| Exit cap | +1.50 pts | 7.05% | -1.46 pts | |
| Mortgage rate | +0.76 pts | 7.05% | -0.77 pts | |
| Vacancy | +0.54 pts | 7.05% | -0.56 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $10k | $4,842 | $5,334 | $4,602 | $617 | $5,219 | $116 | $63k | 6.28% |
| 2 | $11k | $10k | $4,969 | $5,513 | $4,555 | $663 | $5,219 | $295 | $62k | 6.49% |
| 3 | $11k | $11k | $5,098 | $5,698 | $4,506 | $713 | $5,219 | $479 | $62k | 6.70% |
| 4 | $12k | $11k | $5,231 | $5,889 | $4,452 | $766 | $5,219 | $670 | $61k | 6.93% |
| 5 | $12k | $11k | $5,368 | $6,086 | $4,395 | $824 | $5,219 | $867 | $60k | 7.16% |
| 6 | $13k | $12k | $5,508 | $6,289 | $4,333 | $886 | $5,219 | $1,070 | $59k | 7.40% |
| 7 | $13k | $12k | $5,652 | $6,499 | $4,267 | $952 | $5,219 | $1,280 | $58k | 7.65% |
| 8 | $13k | $13k | $5,800 | $6,716 | $4,195 | $1,023 | $5,219 | $1,497 | $57k | 7.90% |
| 9 | $14k | $13k | $5,952 | $6,939 | $4,119 | $1,100 | $5,219 | $1,720 | $56k | 8.16% |
| 10 | $14k | $13k | $6,108 | $7,170 | $4,036 | $1,183 | $5,219 | $1,951 | $55k | 8.44% |
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.