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 1.07%, which falls below a typical small-portfolio return target. Year-1 DSCR is 0.83, 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 | -3.17 pts | 1.07% | +2.70 pts | |
| Purchase price | +2.64 pts | 1.07% | -2.79 pts | |
| Exit cap | +2.13 pts | 1.07% | -2.20 pts | |
| Mortgage rate | +1.09 pts | 1.07% | -1.11 pts | |
| Vacancy | +0.62 pts | 1.07% | -0.64 pts |
| Yr | GSI | EGI | OpEx | NOI | Interest | Principal | Debt svc | CF | Balance | Cap |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $33k | $31k | $12k | $19k | $20k | $2,650 | $22k | -$3,740 | $271k | 5.11% |
| 2 | $34k | $32k | $13k | $19k | $20k | $2,848 | $22k | -$3,128 | $268k | 5.28% |
| 3 | $35k | $33k | $13k | $20k | $19k | $3,062 | $22k | -$2,497 | $265k | 5.46% |
| 4 | $36k | $34k | $13k | $21k | $19k | $3,291 | $22k | -$1,846 | $262k | 5.63% |
| 5 | $37k | $35k | $14k | $21k | $19k | $3,538 | $22k | -$1,175 | $258k | 5.82% |
| 6 | $38k | $36k | $14k | $22k | $19k | $3,803 | $22k | -$482 | $255k | 6.01% |
| 7 | $39k | $37k | $14k | $23k | $18k | $4,088 | $22k | $233 | $250k | 6.20% |
| 8 | $40k | $38k | $15k | $23k | $18k | $4,394 | $22k | $971 | $246k | 6.41% |
| 9 | $42k | $39k | $15k | $24k | $18k | $4,724 | $22k | $1,731 | $241k | 6.61% |
| 10 | $43k | $40k | $15k | $25k | $17k | $5,078 | $22k | $2,516 | $236k | 6.83% |
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.