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 13.14%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.17, 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 | -2.25 pts | 13.14% | +2.08 pts | |
| Purchase price | +1.90 pts | 13.14% | -1.87 pts | |
| Exit cap | +1.31 pts | 13.14% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.14% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.14% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $22k | $21k | $8,117 | $13k | $9,745 | $1,307 | $11k | $1,871 | $134k | 7.18% |
| 2 | $23k | $22k | $8,331 | $13k | $9,647 | $1,405 | $11k | $2,288 | $132k | 7.41% |
| 3 | $24k | $22k | $8,550 | $14k | $9,541 | $1,510 | $11k | $2,719 | $131k | 7.65% |
| 4 | $24k | $23k | $8,775 | $14k | $9,428 | $1,623 | $11k | $3,163 | $129k | 7.90% |
| 5 | $25k | $24k | $9,007 | $15k | $9,307 | $1,745 | $11k | $3,622 | $127k | 8.15% |
| 6 | $26k | $24k | $9,244 | $15k | $9,176 | $1,875 | $11k | $4,095 | $126k | 8.41% |
| 7 | $27k | $25k | $9,488 | $16k | $9,035 | $2,016 | $11k | $4,582 | $124k | 8.69% |
| 8 | $28k | $26k | $9,739 | $16k | $8,884 | $2,167 | $11k | $5,086 | $121k | 8.96% |
| 9 | $28k | $27k | $9,996 | $17k | $8,722 | $2,330 | $11k | $5,604 | $119k | 9.25% |
| 10 | $29k | $27k | $10k | $17k | $8,547 | $2,504 | $11k | $6,140 | $117k | 9.55% |
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.