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 11.16%, which roughly meets a typical small-portfolio return target. Year-1 DSCR is 1.12, 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 | -2.34 pts | 11.16% | +2.14 pts | |
| Purchase price | +1.87 pts | 11.16% | -1.85 pts | |
| Exit cap | +1.36 pts | 11.16% | -1.31 pts | |
| Mortgage rate | +0.75 pts | 11.16% | -0.76 pts | |
| Vacancy | +0.48 pts | 11.16% | -0.49 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $17k | $16k | $6,463 | $9,088 | $7,146 | $958 | $8,104 | $984 | $98k | 6.88% |
| 2 | $17k | $16k | $6,632 | $9,385 | $7,074 | $1,030 | $8,104 | $1,281 | $97k | 7.11% |
| 3 | $18k | $16k | $6,806 | $9,692 | $6,997 | $1,107 | $8,104 | $1,587 | $96k | 7.34% |
| 4 | $18k | $17k | $6,985 | $10k | $6,914 | $1,190 | $8,104 | $1,904 | $95k | 7.58% |
| 5 | $19k | $18k | $7,168 | $10k | $6,825 | $1,279 | $8,104 | $2,230 | $93k | 7.83% |
| 6 | $19k | $18k | $7,357 | $11k | $6,729 | $1,375 | $8,104 | $2,567 | $92k | 8.08% |
| 7 | $20k | $19k | $7,550 | $11k | $6,626 | $1,478 | $8,104 | $2,914 | $91k | 8.35% |
| 8 | $20k | $19k | $7,749 | $11k | $6,515 | $1,589 | $8,104 | $3,272 | $89k | 8.62% |
| 9 | $21k | $20k | $7,953 | $12k | $6,396 | $1,708 | $8,104 | $3,642 | $87k | 8.90% |
| 10 | $22k | $20k | $8,162 | $12k | $6,268 | $1,836 | $8,104 | $4,023 | $85k | 9.19% |
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.