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 12.10%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.29 pts | 12.10% | +2.11 pts | |
| Purchase price | +1.88 pts | 12.10% | -1.86 pts | |
| Exit cap | +1.34 pts | 12.10% | -1.28 pts | |
| Mortgage rate | +0.75 pts | 12.10% | -0.76 pts | |
| Vacancy | +0.47 pts | 12.10% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $18k | $7,117 | $11k | $8,175 | $1,096 | $9,271 | $1,335 | $112k | 7.02% |
| 2 | $19k | $18k | $7,304 | $11k | $8,092 | $1,178 | $9,271 | $1,680 | $111k | 7.25% |
| 3 | $20k | $19k | $7,496 | $11k | $8,004 | $1,267 | $9,271 | $2,035 | $110k | 7.49% |
| 4 | $21k | $19k | $7,693 | $12k | $7,909 | $1,362 | $9,271 | $2,402 | $108k | 7.73% |
| 5 | $21k | $20k | $7,896 | $12k | $7,807 | $1,464 | $9,271 | $2,781 | $107k | 7.98% |
| 6 | $22k | $21k | $8,104 | $12k | $7,697 | $1,573 | $9,271 | $3,171 | $105k | 8.24% |
| 7 | $23k | $21k | $8,317 | $13k | $7,580 | $1,691 | $9,271 | $3,574 | $104k | 8.51% |
| 8 | $23k | $22k | $8,536 | $13k | $7,453 | $1,818 | $9,271 | $3,990 | $102k | 8.78% |
| 9 | $24k | $22k | $8,761 | $14k | $7,316 | $1,954 | $9,271 | $4,419 | $100k | 9.07% |
| 10 | $25k | $23k | $8,993 | $14k | $7,170 | $2,101 | $9,271 | $4,861 | $98k | 9.36% |
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.