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 8.26%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.05, 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 | -2.52 pts | 8.26% | +2.27 pts | |
| Purchase price | +1.86 pts | 8.26% | -1.87 pts | |
| Exit cap | +1.45 pts | 8.26% | -1.41 pts | |
| Mortgage rate | +0.75 pts | 8.26% | -0.76 pts | |
| Vacancy | +0.52 pts | 8.26% | -0.53 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $12k | $11k | $5,184 | $6,125 | $5,138 | $689 | $5,826 | $298 | $70k | 6.45% |
| 2 | $12k | $12k | $5,319 | $6,329 | $5,086 | $741 | $5,826 | $502 | $70k | 6.67% |
| 3 | $13k | $12k | $5,458 | $6,539 | $5,030 | $796 | $5,826 | $713 | $69k | 6.89% |
| 4 | $13k | $12k | $5,601 | $6,756 | $4,971 | $856 | $5,826 | $930 | $68k | 7.12% |
| 5 | $14k | $13k | $5,747 | $6,981 | $4,907 | $920 | $5,826 | $1,154 | $67k | 7.36% |
| 6 | $14k | $13k | $5,898 | $7,212 | $4,838 | $989 | $5,826 | $1,386 | $66k | 7.60% |
| 7 | $14k | $14k | $6,052 | $7,451 | $4,764 | $1,063 | $5,826 | $1,624 | $65k | 7.85% |
| 8 | $15k | $14k | $6,211 | $7,697 | $4,684 | $1,143 | $5,826 | $1,871 | $64k | 8.11% |
| 9 | $15k | $14k | $6,374 | $7,952 | $4,598 | $1,228 | $5,826 | $2,125 | $63k | 8.38% |
| 10 | $16k | $15k | $6,541 | $8,214 | $4,506 | $1,320 | $5,826 | $2,388 | $61k | 8.66% |
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.