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 10.62%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.11, 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 | -2.37 pts | 10.62% | +2.16 pts | |
| Purchase price | +1.87 pts | 10.62% | -1.85 pts | |
| Exit cap | +1.38 pts | 10.62% | -1.33 pts | |
| Mortgage rate | +0.75 pts | 10.62% | -0.76 pts | |
| Vacancy | +0.49 pts | 10.62% | -0.50 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $15k | $15k | $6,149 | $8,361 | $6,653 | $892 | $7,546 | $816 | $91k | 6.80% |
| 2 | $16k | $15k | $6,310 | $8,635 | $6,587 | $959 | $7,546 | $1,090 | $90k | 7.03% |
| 3 | $16k | $15k | $6,475 | $8,918 | $6,515 | $1,031 | $7,546 | $1,373 | $89k | 7.26% |
| 4 | $17k | $16k | $6,645 | $9,210 | $6,437 | $1,108 | $7,546 | $1,665 | $88k | 7.49% |
| 5 | $17k | $16k | $6,820 | $9,512 | $6,354 | $1,191 | $7,546 | $1,966 | $87k | 7.74% |
| 6 | $18k | $17k | $6,999 | $9,822 | $6,265 | $1,281 | $7,546 | $2,277 | $86k | 7.99% |
| 7 | $18k | $17k | $7,183 | $10k | $6,169 | $1,376 | $7,546 | $2,598 | $84k | 8.25% |
| 8 | $19k | $18k | $7,371 | $10k | $6,066 | $1,480 | $7,546 | $2,929 | $83k | 8.52% |
| 9 | $20k | $18k | $7,565 | $11k | $5,955 | $1,591 | $7,546 | $3,270 | $81k | 8.80% |
| 10 | $20k | $19k | $7,765 | $11k | $5,836 | $1,710 | $7,546 | $3,622 | $80k | 9.09% |
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.