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 12.01%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.14, 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 | -2.30 pts | 12.01% | +2.11 pts | |
| Purchase price | +1.88 pts | 12.01% | -1.86 pts | |
| Exit cap | +1.34 pts | 12.01% | -1.29 pts | |
| Mortgage rate | +0.75 pts | 12.01% | -0.76 pts | |
| Vacancy | +0.48 pts | 12.01% | -0.48 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $19k | $17k | $7,045 | $10k | $8,061 | $1,081 | $9,142 | $1,296 | $111k | 7.01% |
| 2 | $19k | $18k | $7,230 | $11k | $7,980 | $1,162 | $9,142 | $1,636 | $109k | 7.24% |
| 3 | $20k | $19k | $7,420 | $11k | $7,893 | $1,249 | $9,142 | $1,986 | $108k | 7.47% |
| 4 | $20k | $19k | $7,615 | $11k | $7,799 | $1,343 | $9,142 | $2,347 | $107k | 7.72% |
| 5 | $21k | $20k | $7,815 | $12k | $7,699 | $1,443 | $9,142 | $2,720 | $105k | 7.97% |
| 6 | $22k | $20k | $8,021 | $12k | $7,590 | $1,551 | $9,142 | $3,105 | $104k | 8.22% |
| 7 | $22k | $21k | $8,232 | $13k | $7,474 | $1,668 | $9,142 | $3,501 | $102k | 8.49% |
| 8 | $23k | $22k | $8,449 | $13k | $7,349 | $1,793 | $9,142 | $3,911 | $100k | 8.77% |
| 9 | $24k | $22k | $8,672 | $13k | $7,215 | $1,927 | $9,142 | $4,333 | $98k | 9.05% |
| 10 | $24k | $23k | $8,901 | $14k | $7,070 | $2,072 | $9,142 | $4,769 | $96k | 9.34% |
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.