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 15.85%, which comfortably clears a typical small-portfolio return target. Year-1 DSCR is 1.23, 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 | -2.16 pts | 15.85% | +2.02 pts | |
| Purchase price | +1.97 pts | 15.85% | -1.91 pts | |
| Exit cap | +1.25 pts | 15.85% | -1.19 pts | |
| Mortgage rate | +0.76 pts | 15.85% | -0.77 pts | |
| Vacancy | +0.45 pts | 15.85% | -0.45 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $43k | $41k | $14k | $27k | $19k | $2,559 | $22k | $5,057 | $262k | 7.57% |
| 2 | $45k | $42k | $14k | $28k | $19k | $2,751 | $22k | $5,908 | $259k | 7.82% |
| 3 | $46k | $43k | $15k | $28k | $19k | $2,957 | $22k | $6,786 | $256k | 8.06% |
| 4 | $47k | $45k | $15k | $29k | $18k | $3,178 | $22k | $7,691 | $253k | 8.32% |
| 5 | $49k | $46k | $16k | $30k | $18k | $3,417 | $22k | $8,624 | $250k | 8.59% |
| 6 | $50k | $47k | $16k | $31k | $18k | $3,673 | $22k | $9,586 | $246k | 8.86% |
| 7 | $52k | $49k | $16k | $32k | $18k | $3,948 | $22k | $11k | $242k | 9.14% |
| 8 | $53k | $50k | $17k | $33k | $17k | $4,244 | $22k | $12k | $238k | 9.43% |
| 9 | $55k | $52k | $17k | $34k | $17k | $4,562 | $22k | $13k | $233k | 9.73% |
| 10 | $57k | $53k | $18k | $35k | $17k | $4,904 | $22k | $14k | $228k | 10.04% |
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.