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 6.16%, which falls below a typical small-portfolio return target. Year-1 DSCR is 1.00, 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 | -2.70 pts | 6.16% | +2.39 pts | |
| Purchase price | +1.88 pts | 6.16% | -1.91 pts | |
| Exit cap | +1.53 pts | 6.16% | -1.50 pts | |
| Mortgage rate | +0.77 pts | 6.16% | -0.78 pts | |
| Vacancy | +0.56 pts | 6.16% | -0.57 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $10k | $9,490 | $4,635 | $4,855 | $4,277 | $573 | $4,850 | $5 | $59k | 6.15% |
| 2 | $10k | $9,775 | $4,756 | $5,019 | $4,234 | $616 | $4,850 | $169 | $58k | 6.35% |
| 3 | $11k | $10k | $4,880 | $5,188 | $4,188 | $663 | $4,850 | $338 | $57k | 6.57% |
| 4 | $11k | $10k | $5,008 | $5,363 | $4,138 | $712 | $4,850 | $513 | $57k | 6.79% |
| 5 | $11k | $11k | $5,138 | $5,543 | $4,085 | $766 | $4,850 | $693 | $56k | 7.02% |
| 6 | $12k | $11k | $5,272 | $5,730 | $4,027 | $823 | $4,850 | $879 | $55k | 7.25% |
| 7 | $12k | $11k | $5,410 | $5,922 | $3,965 | $885 | $4,850 | $1,072 | $54k | 7.50% |
| 8 | $12k | $12k | $5,552 | $6,120 | $3,899 | $951 | $4,850 | $1,270 | $53k | 7.75% |
| 9 | $13k | $12k | $5,697 | $6,325 | $3,828 | $1,022 | $4,850 | $1,475 | $52k | 8.01% |
| 10 | $13k | $12k | $5,846 | $6,537 | $3,751 | $1,099 | $4,850 | $1,687 | $51k | 8.27% |
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.