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 15.35%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.22, financeable in some structures but not generous. The remaining work is less about math and more about confirming the rent, rehab, and exit assumptions.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.17 pts | 15.35% | +2.03 pts | |
| Purchase price | +1.96 pts | 15.35% | -1.90 pts | |
| Exit cap | +1.26 pts | 15.35% | -1.20 pts | |
| Mortgage rate | +0.76 pts | 15.35% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.35% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $37k | $35k | $12k | $22k | $16k | $2,177 | $18k | $4,085 | $223k | 7.50% |
| 2 | $38k | $36k | $13k | $23k | $16k | $2,340 | $18k | $4,804 | $220k | 7.74% |
| 3 | $39k | $37k | $13k | $24k | $16k | $2,516 | $18k | $5,546 | $218k | 7.99% |
| 4 | $40k | $38k | $13k | $25k | $16k | $2,704 | $18k | $6,310 | $215k | 8.24% |
| 5 | $42k | $39k | $14k | $26k | $16k | $2,907 | $18k | $7,099 | $212k | 8.51% |
| 6 | $43k | $40k | $14k | $26k | $15k | $3,125 | $18k | $7,912 | $209k | 8.78% |
| 7 | $44k | $41k | $14k | $27k | $15k | $3,359 | $18k | $8,750 | $206k | 9.06% |
| 8 | $45k | $43k | $15k | $28k | $15k | $3,611 | $18k | $9,615 | $202k | 9.35% |
| 9 | $47k | $44k | $15k | $29k | $15k | $3,881 | $18k | $11k | $198k | 9.64% |
| 10 | $48k | $45k | $16k | $30k | $14k | $4,172 | $18k | $11k | $194k | 9.95% |
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.