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 9.41%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.08, 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 | -2.44 pts | 9.41% | +2.21 pts | |
| Purchase price | +1.86 pts | 9.41% | -1.86 pts | |
| Exit cap | +1.42 pts | 9.41% | -1.37 pts | |
| Mortgage rate | +0.75 pts | 9.41% | -0.76 pts | |
| Vacancy | +0.51 pts | 9.41% | -0.52 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $13k | $13k | $5,593 | $7,074 | $5,781 | $775 | $6,556 | $518 | $79k | 6.62% |
| 2 | $14k | $13k | $5,739 | $7,307 | $5,722 | $833 | $6,556 | $752 | $78k | 6.84% |
| 3 | $14k | $13k | $5,889 | $7,548 | $5,660 | $896 | $6,556 | $993 | $78k | 7.07% |
| 4 | $15k | $14k | $6,044 | $7,797 | $5,593 | $963 | $6,556 | $1,242 | $77k | 7.30% |
| 5 | $15k | $14k | $6,202 | $8,054 | $5,521 | $1,035 | $6,556 | $1,499 | $76k | 7.54% |
| 6 | $16k | $15k | $6,365 | $8,319 | $5,443 | $1,113 | $6,556 | $1,764 | $74k | 7.79% |
| 7 | $16k | $15k | $6,532 | $8,593 | $5,360 | $1,196 | $6,556 | $2,037 | $73k | 8.05% |
| 8 | $17k | $16k | $6,703 | $8,875 | $5,270 | $1,286 | $6,556 | $2,319 | $72k | 8.31% |
| 9 | $17k | $16k | $6,879 | $9,166 | $5,174 | $1,382 | $6,556 | $2,611 | $71k | 8.58% |
| 10 | $18k | $17k | $7,060 | $9,467 | $5,070 | $1,486 | $6,556 | $2,911 | $69k | 8.87% |
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.