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 13.79%, 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 | -2.22 pts | 13.79% | +2.05 pts | |
| Purchase price | +1.99 pts | 13.79% | -1.95 pts | |
| Exit cap | +1.32 pts | 13.79% | -1.26 pts | |
| Mortgage rate | +0.78 pts | 13.79% | -0.79 pts | |
| Vacancy | +0.46 pts | 13.79% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $38k | $35k | $13k | $23k | $17k | $2,316 | $20k | $3,245 | $237k | 7.16% |
| 2 | $39k | $37k | $13k | $24k | $17k | $2,489 | $20k | $3,976 | $234k | 7.39% |
| 3 | $40k | $38k | $13k | $24k | $17k | $2,676 | $20k | $4,730 | $232k | 7.62% |
| 4 | $41k | $39k | $14k | $25k | $17k | $2,876 | $20k | $5,508 | $229k | 7.87% |
| 5 | $42k | $40k | $14k | $26k | $16k | $3,092 | $20k | $6,309 | $226k | 8.12% |
| 6 | $44k | $41k | $14k | $27k | $16k | $3,324 | $20k | $7,136 | $222k | 8.38% |
| 7 | $45k | $42k | $15k | $28k | $16k | $3,573 | $20k | $7,989 | $219k | 8.64% |
| 8 | $46k | $44k | $15k | $28k | $16k | $3,841 | $20k | $8,869 | $215k | 8.92% |
| 9 | $48k | $45k | $16k | $29k | $15k | $4,129 | $20k | $9,776 | $211k | 9.20% |
| 10 | $49k | $46k | $16k | $30k | $15k | $4,438 | $20k | $11k | $206k | 9.50% |
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.