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 14.60%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.20, 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 | -2.20 pts | 14.60% | +2.04 pts | |
| Purchase price | +1.94 pts | 14.60% | -1.89 pts | |
| Exit cap | +1.28 pts | 14.60% | -1.22 pts | |
| Mortgage rate | +0.76 pts | 14.60% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.60% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $30k | $28k | $10k | $18k | $13k | $1,778 | $15k | $3,069 | $182k | 7.39% |
| 2 | $31k | $29k | $11k | $19k | $13k | $1,911 | $15k | $3,650 | $180k | 7.63% |
| 3 | $32k | $30k | $11k | $19k | $13k | $2,054 | $15k | $4,249 | $178k | 7.87% |
| 4 | $33k | $31k | $11k | $20k | $13k | $2,208 | $15k | $4,867 | $176k | 8.13% |
| 5 | $34k | $32k | $11k | $21k | $13k | $2,374 | $15k | $5,504 | $173k | 8.39% |
| 6 | $35k | $33k | $12k | $21k | $12k | $2,552 | $15k | $6,161 | $171k | 8.66% |
| 7 | $36k | $34k | $12k | $22k | $12k | $2,743 | $15k | $6,838 | $168k | 8.93% |
| 8 | $37k | $35k | $12k | $23k | $12k | $2,949 | $15k | $7,537 | $165k | 9.22% |
| 9 | $38k | $36k | $13k | $23k | $12k | $3,170 | $15k | $8,258 | $162k | 9.51% |
| 10 | $40k | $37k | $13k | $24k | $12k | $3,407 | $15k | $9,001 | $159k | 9.81% |
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.