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 14.78%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.21, 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 | -2.19 pts | 14.78% | +2.04 pts | |
| Purchase price | +1.94 pts | 14.78% | -1.89 pts | |
| Exit cap | +1.27 pts | 14.78% | -1.21 pts | |
| Mortgage rate | +0.76 pts | 14.78% | -0.77 pts | |
| Vacancy | +0.45 pts | 14.78% | -0.46 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $32k | $30k | $11k | $19k | $14k | $1,858 | $16k | $3,273 | $190k | 7.42% |
| 2 | $33k | $31k | $11k | $20k | $14k | $1,997 | $16k | $3,881 | $188k | 7.66% |
| 3 | $34k | $32k | $11k | $20k | $14k | $2,146 | $16k | $4,508 | $186k | 7.90% |
| 4 | $35k | $32k | $12k | $21k | $13k | $2,307 | $16k | $5,155 | $184k | 8.15% |
| 5 | $36k | $33k | $12k | $22k | $13k | $2,480 | $16k | $5,823 | $181k | 8.41% |
| 6 | $37k | $34k | $12k | $22k | $13k | $2,666 | $16k | $6,511 | $178k | 8.68% |
| 7 | $38k | $35k | $13k | $23k | $13k | $2,866 | $16k | $7,221 | $176k | 8.96% |
| 8 | $39k | $37k | $13k | $24k | $13k | $3,081 | $16k | $7,953 | $173k | 9.25% |
| 9 | $40k | $38k | $13k | $24k | $12k | $3,312 | $16k | $8,708 | $169k | 9.54% |
| 10 | $41k | $39k | $14k | $25k | $12k | $3,560 | $16k | $9,486 | $166k | 9.85% |
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.