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 11.97%, 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 | -2.30 pts | 11.97% | +2.11 pts | |
| Purchase price | +1.88 pts | 11.97% | -1.86 pts | |
| Exit cap | +1.34 pts | 11.97% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 11.97% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.97% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18k | $17k | $7,014 | $10k | $8,012 | $1,074 | $9,087 | $1,279 | $110k | 7.00% |
| 2 | $19k | $18k | $7,198 | $11k | $7,932 | $1,155 | $9,087 | $1,617 | $109k | 7.23% |
| 3 | $20k | $18k | $7,387 | $11k | $7,845 | $1,241 | $9,087 | $1,965 | $108k | 7.47% |
| 4 | $20k | $19k | $7,582 | $11k | $7,752 | $1,334 | $9,087 | $2,324 | $106k | 7.71% |
| 5 | $21k | $20k | $7,781 | $12k | $7,652 | $1,434 | $9,087 | $2,694 | $105k | 7.96% |
| 6 | $21k | $20k | $7,986 | $12k | $7,545 | $1,542 | $9,087 | $3,076 | $103k | 8.22% |
| 7 | $22k | $21k | $8,196 | $13k | $7,429 | $1,658 | $9,087 | $3,470 | $102k | 8.48% |
| 8 | $23k | $21k | $8,412 | $13k | $7,305 | $1,782 | $9,087 | $3,877 | $100k | 8.76% |
| 9 | $23k | $22k | $8,634 | $13k | $7,171 | $1,915 | $9,087 | $4,296 | $98k | 9.04% |
| 10 | $24k | $23k | $8,862 | $14k | $7,028 | $2,059 | $9,087 | $4,729 | $96k | 9.33% |
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.