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 7.43%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.03, too thin for most debt sources without a change in price or NOI. Unless you have strong support for rent upside or a better basis, the cleaner move is probably to pass.
| Input | Downside | Base | Upside | Range |
|---|---|---|---|---|
| Gross rent | -2.59 pts | 7.43% | +2.31 pts | |
| Purchase price | +1.87 pts | 7.43% | -1.88 pts | |
| Exit cap | +1.48 pts | 7.43% | -1.44 pts | |
| Mortgage rate | +0.76 pts | 7.43% | -0.77 pts | |
| Vacancy | +0.53 pts | 7.43% | -0.55 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $11k | $11k | $4,942 | $5,566 | $4,759 | $638 | $5,397 | $169 | $65k | 6.33% |
| 2 | $12k | $11k | $5,071 | $5,752 | $4,711 | $686 | $5,397 | $355 | $65k | 6.54% |
| 3 | $12k | $11k | $5,204 | $5,944 | $4,659 | $737 | $5,397 | $548 | $64k | 6.76% |
| 4 | $12k | $11k | $5,340 | $6,143 | $4,604 | $793 | $5,397 | $746 | $63k | 6.99% |
| 5 | $13k | $12k | $5,479 | $6,348 | $4,545 | $852 | $5,397 | $951 | $62k | 7.22% |
| 6 | $13k | $12k | $5,622 | $6,559 | $4,481 | $916 | $5,397 | $1,163 | $61k | 7.46% |
| 7 | $13k | $13k | $5,769 | $6,778 | $4,412 | $984 | $5,397 | $1,381 | $60k | 7.71% |
| 8 | $14k | $13k | $5,921 | $7,003 | $4,338 | $1,058 | $5,397 | $1,606 | $59k | 7.97% |
| 9 | $14k | $13k | $6,076 | $7,236 | $4,259 | $1,138 | $5,397 | $1,839 | $58k | 8.23% |
| 10 | $15k | $14k | $6,235 | $7,476 | $4,174 | $1,223 | $5,397 | $2,079 | $57k | 8.50% |
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.