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 13.41%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.18, 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 | -2.24 pts | 13.41% | +2.07 pts | |
| Purchase price | +1.91 pts | 13.41% | -1.87 pts | |
| Exit cap | +1.30 pts | 13.41% | -1.25 pts | |
| Mortgage rate | +0.75 pts | 13.41% | -0.76 pts | |
| Vacancy | +0.46 pts | 13.41% | -0.47 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $23k | $22k | $8,428 | $14k | $10k | $1,372 | $12k | $2,037 | $140k | 7.22% |
| 2 | $24k | $23k | $8,649 | $14k | $10k | $1,475 | $12k | $2,477 | $139k | 7.45% |
| 3 | $25k | $23k | $8,877 | $15k | $10k | $1,585 | $12k | $2,931 | $137k | 7.69% |
| 4 | $26k | $24k | $9,111 | $15k | $9,900 | $1,704 | $12k | $3,400 | $136k | 7.94% |
| 5 | $26k | $25k | $9,351 | $15k | $9,772 | $1,832 | $12k | $3,883 | $134k | 8.19% |
| 6 | $27k | $26k | $9,598 | $16k | $9,635 | $1,969 | $12k | $4,381 | $132k | 8.46% |
| 7 | $28k | $26k | $9,851 | $16k | $9,487 | $2,117 | $12k | $4,895 | $130k | 8.73% |
| 8 | $29k | $27k | $10k | $17k | $9,328 | $2,275 | $12k | $5,425 | $127k | 9.01% |
| 9 | $30k | $28k | $10k | $18k | $9,158 | $2,446 | $12k | $5,972 | $125k | 9.30% |
| 10 | $31k | $29k | $11k | $18k | $8,974 | $2,629 | $12k | $6,536 | $122k | 9.60% |
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.